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Chris T. Kelm, CFP®, is a seasoned financial professional with extensive experience, having served as President and Certified Financial Planner™️ practitioner at Kelm Financial Services, Inc. since September 1987. In addition to this role, Kelm has been an Elder at Concordia Lutheran Church, a member and Paul Harris Fellow at Rotary Club of San Antonio, and a Financial Consultant/Speaker at Pastor 360 since 2010. An Advanced Planning Specialist, Kelm also contributed to Level Four Business Services from September 2016 to November 2023 and spent over 25 years as an Agent at Principal Financial Group until 2013. Kelm holds certifications from The American College of Financial Services and the College for Financial Planning, with a focus on financial planning, retirement, tax, estate, and insurance planning, complemented by an educational background from The University of Texas Permian Basin.