Gregory Kelly, Owner & Principal Advisor with Kelly Financial Partners, LLC

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Gregory Kelly, Owner & Principal Advisor with Kelly Financial Partners, LLC Owner & Principal Advisor | Business Owner Planning | Non-Profit Planning | Executive Planning

I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions. In addition to a Financial Advisor offering investment advisory services through Eagle Strategies LLC, a Registered Investment Advisor, I am also licensed as an agent to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies. Additionally, I am a Registered Representative of and offer securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC), a Licensed Insurance Agency and a New York Life Company.

8000 W Interstate 10, Suite 800
San Antonio, TX 78230
210.342.7878

Neither Kelly Financial Partners LLC, nor New York Life Insurance Company, nor its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. Kelly Financial Partners LLC is not owned or operated by New York Life Insurance Company or its affiliates. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success. Eagle Strategies LLC & NYLIFE Securities LLC are New York Life Companies.

11/02/2026

8 weeks until 2027...

For business owners and high-income households, the final weeks of the year can be some of the most important for financial planning.

Why?

Because certain opportunities disappear when the calendar turns to January 1st.

And some decisions become significantly more expensive to correct after the fact.

Here are 8 planning considerations worth reviewing before year-end:

1. Tax Planning
Have you reviewed your projected 2026 taxable income, capital gains, deductions, YTD tax payments, and potential opportunities to manage your overall tax liability?

2. Retirement Contributions
Are you maximizing the retirement plan opportunities appropriate for your situation? Business owners should also review employer contributions and plan requirements.

3. Business Cash Flow
How much cash does your business need to retain for operating expenses, taxes, debt obligations, and upcoming investments before making year-end distributions?

4. Executive Compensation
Do you have bonuses, deferred compensation elections, RSUs, stock options, or other compensation events that require coordination with your strategy?

5. Investment Portfolios
Have you reviewed asset allocation, concentrated positions, realized gains and losses, and whether your investment strategy still aligns with your broader financial objectives?

6. Insurance & Employee Benefits
Have you evaluated your 2027 benefit elections, employer-provided coverage, disability protection, and any changes to your family's insurance needs?

7. Estate & Business Succession
Are your beneficiaries, trust arrangements, buy-sell agreements, and succession documents consistent with your current circumstances?

8. Your 2027 Financial Priorities
What major decisions are coming next year?

A business acquisition?

Commercial real estate purchase?

Retirement?

A liquidity event?

A significant compensation change?

Those decisions deserve attention before they become urgent.

Here's something I frequently remind clients:

December 31st is a tax deadline. It shouldn't be the deadline for starting your financial planning.

Not every item requires action before year-end. Some opportunities have different deadlines, and others require coordination with your CPA, attorney, or other professionals.

But identifying what matters (and what needs to happen when) is precisely the point.

10/30/2026

"Cara mia"

When we hear that phrase, we ALL know who's talking.

But did you know that Gomez Addams is the descendant of Castilian royalty and British aristocrats???

The wealth you see in the movies is portrayed a combination of generational inheritances, successful (albeit, wacky) business ventures, and stock market investing.

While this is truly a Halloween post, don't forget that it only takes a single person to change the financial success of future generations.

So, if you're that person trying to set your family up for generational success... KEEP GOING!

You might just be the one who makes it happen.

Happy Halloween everyone!

10/29/2026

ChatGPT is such an amazing tool!

I recently used it to help me better understand some health concerns I've been dealing with recently.

I uploaded medical reports, blood work, imaging results, and specialist notes. I felt like Matt Damon in Good Will Hunting... starting to connect the dots like some sort of genuis.

Then I asked it to help me make sense of everything.

And guess what the diagnosis was?!?!

That Greg Kelly is not a freakn' doctor 😂

The information was there.
Impressive terminology.
Sophisticated analysis.

But I quickly realized something...

Having access to information and knowing what to do with it are two VERY different things.

Lesson learned.

I'm keeping ChatGPT.

And I'm definitely keeping my doctors 😂

10/28/2026

Last week, I found out that one of my clients lost her job.

For professionals in my role, this is heartbreaking news.

You see, our clients become friends pretty quickly. Their happiness and financial well-being are quite literally part of our job description.

So I offered to meet over Zoom to discuss our plan of attack for the remainder of 2026.

While the circumstances were unfortunate, I couldn't help but point out something important...

This is EXACTLY why we've spent the last two years planning.

Here's where she stands today:
➤ 7 months of living expenses in a high-yield savings account.
➤ Less than $1,000 in credit card debt, with a $26 monthly minimum payment.
➤ A vehicle she paid off earlier this summer.

Now, take a guess what our financial priorities were when we started working together two years ago...

"Let's build an emergency fund."
➤ At the time, she had less than one month of expenses saved.

"Let's get those credit cards under control."
➤ She had approximately $16,000 in revolving balances.

"Let's accelerate the car payoff."
➤ We turned an 11-month payoff timeline into approximately 7-months.

Fast-forward to present day...

The very things we prioritized are now helping protect her financial stability during an incredibly uncertain time. In fact, she saw the progress on paper and she started crying. She hadn't realized just how much progress she made in less than 24-months.

She DOES NOT have to immediately liquidate retirement investments she's spent years building.

She DOES NOT have to rely on credit cards to cover ordinary living expenses.

She DOES NOT have a car payment hanging over her head while searching for her next opportunity.

Does losing her job still hurt? Absolutely. It's never a good feeling.

But there's a tremendous difference between facing unemployment with 7-months of financial breathing room compared to facing it wondering if you'll make your mortgage payment next week.

Financial planning is not always about investment performance.

Financial planning is not always about minimizing taxes.

Financial planning is not always about accumulating more wealth.

Sometimes... it's about making decisions today that give your future self the ability to navigate circumstances you never saw coming.

Two years ago, we weren't planning for her to lose her job.

We DID plan so that if life didn't go according to plan, her finances wouldn't immediately fall apart.

And last week, that preparation mattered more than any investment return or tax saving I could have shown her.

I went fishing over the weekend at Calaveras Lake.Now, I'm a pretty seasoned salt & fresh water fisherman, but Calaveras...
10/27/2026

I went fishing over the weekend at Calaveras Lake.

Now, I'm a pretty seasoned salt & fresh water fisherman, but Calaveras is a high-pressure lake. In other words, a lot of people fish those waters very frequently. The fish start to get a feel for what's going on and they'll "flip the switch" (stop biting) at a moment's notice.

But something happened during this trip that really stood out to me. I thought about it the whole drive home from the lake...

Towards the end of the day, the wind stopped, there was a slight overcast, and pretty much every boat had left for the day. In the fishing world, this is utopia.

We had lines in the water for a little while when, all of a sudden.... ZINGGGGGGGG!!!! My rod bent down, line was peeling off the spool and I could see that fish running away from the boat quick, fast, and in a hurry.

I was HOOKED ON to a monster red fish!

I'd reel in a little and the fish would take twice as much line of my reel than I had recently retrieved. It was go time and I was ready for the fight.

We kept going at it... He'd run. I'd reel. He'd run. I'd reel. Just a vicious back-and-forth for about 45-seconds.

Then.......

Nothing.

No more tension. No more fight. Nothing.

I started to reel in and I knew I was just reeling in slack line at this point. Those who fish know this gut-sinking feeling.

When the end of the line came out of the water, I noticed that the hook was broken in half... About as clean of a break as I've ever seen (just never on a quality hook).

But here's what stood out in that exact moment...

My swivel knots were intact.
My hook knot was intact.

While that feeling of losing a big fish stings (and I mean STINGS), the outcome wasn't in my control.

I could control my knots, inspect my line before leaving the house and set the drag to the appropriate level. I could control what bait I used and where in the water column to present it. And I did that.

The hooks... well that's a different story.

Sometimes in life, we do everything in our power to control a situation. But rarely, and I truly mean rarely, are we in control of the outcome of those situations.

To take a line from Forrest Gump, "Sh*t happens."

*The fish pictured was from an earlier catch that day.

10/26/2026

A client of mine was considering moving their investments to JPMorgan Chase Wealth Management.

They're "Private Clients" of Chase Bank, and their banker mentioned that their status entitled them to "FREE" investment planning.

I encouraged them to meet with the advisor.

And they did...

But not without three questions I suggested they ask:

1. "What exactly is free about this investment service?"

Is the financial planning completely free, or are there investment management fees, underlying fund expenses, transaction costs, or other charges?

2. "How are you compensated through JPMorgan?"

Salary? Bonuses? Asset-based compensation? Product-related incentives?

3. "Are you compensated in any other capacity?"

Are there additional financial incentives, referral arrangements, or other compensation structures that could influence the guidance received?

Here's why I encouraged the meeting...

Competition is healthy. Transparency is essential.

I have no issue with clients exploring other financial institutions or comparing the services they receive.

In fact, I encourage it.

But I do believe every investor deserves to understand the financial relationship they're entering.

"FREE" can mean different things depending on the service, institution, and compensation arrangement.

And just because a service has a cost doesn't mean it lacks value.

The goal isn't to find the cheapest financial advisor.

It's to understand what you're receiving, what you're paying, and whether the relationship is appropriate for your needs.

Sometimes the most valuable questions you can ask a financial professional have nothing to do with investment returns.

--------------------------

Just so I don't leave y'all in the dark, wondering "what happened," here's how it went:

We spoke on the phone the next morning and the advisor was (apparently) hesitant to answer those questions. It gave them an uncomfortable feeling, and they thanked me for being transparent and honest about our arrangement. Needless to say, that transparency will retain them as a client.

Anyone else's dog give them the side eye like this???
10/23/2026

Anyone else's dog give them the side eye like this???

10/22/2026

A business owner was recently referred to us to help evaluate a large commercial real estate transaction.

Her concern wasn't whether the business could afford the property.

It was how the purchase could affect the business's cash flow and (ultimately) her personal finances.

For context, we're talking about:
→ $5.5 million purchase price
→ Over $1 million down payment
→ Approximately $30,200/month in principal and interest payments

That's over $362,000 annually in debt service alone.

But here's where things get interesting...

CRE financing doesn't always work like a traditional 30-year residential mortgage.

Some loans have interest rates that reset periodically.

Others have shorter loan terms with large balloon payments due at maturity.

Knowing this, I asked her:

→ "What happens if the interest rate increases in the next 3-to-5 years?"

→ "What happens if your business needs additional working capital after committing $1 million to the down payment?"

→ "What happens if the property's value declines and refinancing becomes difficult?"

→ "What happens to your personal financial life if the business needs to retain more cash to support the property?"

That's where business planning and personal financial planning collide HARD.

It's possible for a business can be profitable while experiencing significant cash flow pressure.

It's possible for a business owner to have substantial net worth while having limited personal liquidity.

It's possible for a transaction that makes perfect sense from a real estate perspective to create challenges elsewhere in the owner's financial life.

The question isn't simply "Can the business afford this property?"

It's "Can the business afford this property while continuing to support the owner's broader financial objectives?"

That's why I believe business owners need to evaluate major financial decisions through two lenses:

Enterprise financial health AND Personal financial independence

Because the decisions you make inside your business don't stay inside your business.

10/21/2026

Before 2026 ends, I'll have received 16 injections in my back.

(Yes, this is a financial planning post.)

Earlier this year, my neurosurgeon referred me to an interventional pain management clinic.

The process has been pretty straightforward...

➔ Evaluate the problem
➔ Establish a course of treatment
➔ Monitor the results
➔ Communicate findings with the neurosurgical team
➔ Adjust the next steps

Each round has helped uncover something new about my condition. Information that helps the professionals involved better understand what's happening and determine what comes next.

And somewhere along the way, I realized that's exactly how a good financial planning relationship should work.

A client tells me one thing. Their CPA helps clarify the tax implications.

A couple believes their estate plan is current. We discover it hasn't been reviewed since their youngest child was born.

A business owner proudly tells me they're funding their Solo 401(k). We discover the contributions have been sitting in cash.

None of these discoveries necessarily means someone did something wrong.

It means we learned something new that could influence the next decision.

That's why I've never viewed financial planning as a one-time transaction.

Understand.
Diagnose.
Coordinate.
Implement.
Monitor.
Adjust.

Just like my medical team, the professionals surrounding a client shouldn't be working independently toward different objectives.

They should be communicating, sharing information, and refining the plan as circumstances change.

Because sometimes the most valuable thing a professional can discover isn't the answer.

It's the question nobody knew needed to be asked.

10/20/2026

A couple earning $325,000 annually met with me last week.

Both 43.
Both essential workers.
Both on the same page with their financial goals.

Then the husband mentioned something that caught my attention...

Earlier this year, he had to borrow $60,000 from his 401(k) to cover unexpected expenses.

I asked about their cash reserves... "Maybe $2,000 or $2,500."

That surprised me.

They purchased their home with a mortgage rate near 2%.
Both vehicles are financed below 5%.
No student loans.
No medical debt.
Limited credit card usage.

On paper, they had avoided many of the "lifestyle creeps" that burden high-income households.

But they had become so focused on preparing for retirement that they overlooked something equally important...

Preparing for everything that happens BEFORE retirement.

Their financial lives were heavily oriented toward the future, with very little liquidity available for the present.

And when life threw them a curveball, they had to borrow against the very retirement savings they were working so hard to accumulate.

It reminded me of something I wish more people understood:

Maximizing retirement contributions isn't necessarily the same thing as maximizing financial health.

Liquidity matters.
Accessibility matters.
Flexibility matters.

And sometimes the best financial decision isn't putting another dollar into a retirement account.

It's keeping that dollar available for when life doesn't go according to plan.

Financial independence isn't just about having enough money someday.

It's about having the right resources available along the way.

Address

8000 Interstate 10 W, Suite 800
San Antonio, TX
78230

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 4pm

Telephone

+12103631029

Website

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