About Us

Trust is the pillar in an advisory relationship.

Chris Kelm, CFP®, is the Founder, Principal of Kelm Financial Services in San Antonio, TX. He has been involved in the Insurance and Service Industry since the inception of his firm in 1987.

He is a Certified Financial Planner, a member of the Forum 400, MDRTʼs Top of The Table, the top 1% of Financial & Insurance Professionals. He serves on the Capitol Hill Club in Washington as an advocate/advisor working with Congress on issues that would negatively affect clients and the financial and insurance industry.

Chris is an Elder at Concordia Lutheran Church, an active Rotarian, on the board of the Texas Wildlife Association, and the Texas Longhorn Breeders Association.

He and his wife Beth Ann reside in San Antonio, TX, and have three grown children. Chris enjoys hunting, golfing, traveling, and spending time with family and friends relaxing at their Hill Country Ranch raising Miniature Longhorns.

                                                                                                           Since 1987 he has consistently improved the                                                                                                                                                                                                                     financial outcomes of his clients by Growing,                                                                                                                                                                                                                    Protecting, Transferring and Distributing their                                                                                                                                                                                                                        assets with the least amount of expense,                                                                                                                taxation and risk.

Brief Biography

  • Founded Kelm Financial Services Inc September 1987 as an Independent Advisory Firm.
  • Entered Business in 1987 as an agent with the Principal Financial Group
  • Certified Financial Planner since 1993
  • Lifetime Member of the Million Dollar Round Table
  • Member of the Capitol Hill Club
  • Elder at Concordia Lutheran Church
  • Member of the Texas Wildlife Association
  • Education in Progress: Chartered Financial Consultant & Chartered Advisor in Philanthropy
  • Book in Progress – Enjoy Financial Freedom: Without Washington & Wall Street
  • Top of the Table Million Dollar Round Table

Chris T. Kelm, CFP®
Managing Partner & Senior Advisor

Founded in 1987

Our services foundation is built on the following standards:


To Help Our Clients Achieve Their Financial Goals While Minimizing Taxes and Reducing Risk.


It’s Not How Much You Make, It’s How Much You Keep!


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!

Fiduciary standard let’s you know who work for whom. Why is this important?

A fiduciary is someone who puts your financial interest ahead of his or her own. Fiduciary is derived from the Latin fidere, to trust. As independent advisors, we believe that a “fiduciary standard” is the very best framework for professionals to work with clients.

Kelm Financial Services is your Trusted Advisor

Trust is the pillar in an advisory relationship. As advisors, we believe that a “fiduciary standard” is the very best framework for professionals to work with clients. To act as a fiduciary means that an advisor has to put aside his/her own financial interest, and also put aside the business/financial interest of any company they work for, and give recommendations that are solely and completely in the best interest of their clients.
We are not affiliated with any broker, bank, accounting firm, law firm or insurance company. We are accountable only to our clients and have only their best interests at heart, fully embracing the concept of fiduciary responsibility.  We are not an Investment Firm. We work with established investment firms or we will work with the client’s existing firm in the planning process.
Most financial advisors are not held to this high standard. Rather, they’re held to a “suitability” standard, meaning they’re to reasonably believe that the investment and insurance products they want you to buy are appropriate for your situation. Appropriate is a long way from “in your best interests”. The real choice isn’t fiduciary vs. suitability; rather, it’s buying products from a salesperson or getting advice along with solutions from an advisor.

Kelm Financial Understands that our tax structure is so complicated along with the Current Administration imposing higher tax as and fees. It has become much more difficult and costly to accumulate assets: and once you have succeeded, its a bigger problem trying to keep them.
That’s why we work closely with professionals including tax advisors, stockbrokers, money managers, and estate lawyers to implement a financial plan that achieves your financial goals. If you have current relationships with these professionals, we can work with them to develop a comprehensive financial solution.