Chris Kelm, CFP® is the Founder & CEO of Kelm Financial Services Inc. with over 30 years of experience in their Financial Services Profession. He takes a proactive approach to tax planning that enables business owners to take advantage of the tax breaks they are entitled to. His Tax Bracket Planning System utilizes tax-efficient strategies to address the complexities of the tax code. These strategies help business owners with financial, retirement and wealth planning techniques that can significantly reduce their taxes.
Chris’ focus is on managing the firm’s strategic partnerships and relationships with CPA’s Attorneys, Money Management firms, including two banks. These relationships have established his firm as one the Go-To-Firm in Texas that deal with tough, complicated financial issues by using state of the art strategies pertaining to advanced, financial and insurance solutions.
Most importantly is being the trusted advisor and in many cases a good friend to his Clients. Some of these friendships go back 30 years. He has retained over 93% of his clients (that are still breathing) with over 800 million of permanent life insurance in place. His clients include two wealthy Texan families, a former Governor of Texas, and three retired Fortune 500 CEOs.
Chris is a lifetime member of MDRT, Top of the Table, Forum 400 and Ambassador with the Advanced Association of Life Underwriters, a Member of the Capitol Hill Club in Washington DC and The American Tax Planning Institute, serving in an advisory capacity for Security Family Organization for our industry. An Advanced Marker Specialist with Level Four Business Services.
He has been married to Beth Ann for 33 years, and together they have 24-year old twins and a 21-year old son. Serving as an Elder at Concordia Lutheran Church, consultant/advisor for Pastor 360, member of Rotary Club of San Antonio, member of the Texas Longhorn Breeders Association, Exotic Ranch Owner, Texas Wildlife Association. He enjoys traveling, golfing, hunting, raising Miniature Longhorns and spending as much time as possible at their Texas Hill Country Ranch. Founded in 1987, Kelm Financial Services’ foundation is built on the following standards:
GOAL: To Help Our Clients Achieve Their Financial Goals While Minimizing Taxes and Reducing Risk.
PHILOSOPHY: It’s Not How Much You Make, It’s How Much You Keep!
OBJECTIVE: To Provide the Best Financial Solutions and Services on a Professional Level, Utilizing the Latest Cutting Edge Financial/Tax Strategies, While Maintaining Our Down-Home Texas Culture. Our Clients Become Our Old Friends!