Making Life and Ministry Better

Pastors aren’t normal and neither is their Tax, Retirement & Financial Planning needs. Pastors can enjoy unique tax and retirement benefits, yet most don’t have access to the strategies for utilizing these benefits.

This is most evident in their misunderstanding of the tax and retirement benefits for their Housing Allowance (Section 107 of the Internal Revenue Code). For 20 plus years I worked with my father (the late Rev. A. Dean Kelm), to take advantage of these unique tax and retirement benefits.

With my involvement in Pastor 360 I’ve had the opportunity to share my experiences with many pastors. They’ve learned how to utilize their benefits, including Housing Allowance and Mortgage Benefits (new or refinanced). Maximizing your unique benefits can yield incredible tax savings that can be used to increase your Net Retirement Income on a tax-favored basis.

Before you judge your Pastor, imagine you are the Pastor and you have to deal with a church full of people like you…every day!
Now Pray for your Pastor…

Concordia Lutheran Church
San Antonio TX

We’re prepared to work with you in the way that best serves your goals.

Providing cutting-edge financial planning solutions for Families and Business Owners since 1987

Call Kelm Financial Services Today!

At Kelm Financial Services Inc, we implement your plan and coordinate with your CPAs, attorneys, and other advisors as appropriate. We continuously monitor the progress rebalancing of your investment strategy and recommend changes as needed.

Take the first step now
(210) 679-1530






Experienced, responsive and understands your need for integrity and transparency.

2241 NW Military Hwy, Suite 301 | San Antonio, TX 78213