# Elsa Allmendinger

> Elsa Allmendinger is a fee-only financial advisor at Kelman-Lazarov in Memphis, Tennessee. Elsa focuses on retirement planning, estate & legacy planning and tax planning. Kelman-Lazarov reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/elsa-allmendinger/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Kelman-Lazarov
- **Based in:** Memphis, Tennessee
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $894.6M across 1,512 accounts
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning, Family wealth transfer
- **Works with:** Multi-generational families
- **CRD:** 8319842 (https://adviserinfo.sec.gov/individual/summary/8319842)
- **SEC registration:** Investment adviser representative in TN
- **Exams passed:** Series 65 (2026)
- **Firm size:** 17 employees
- **Disclosures:** None reported
- **Website:** http://www.kelman-lazarov.com

## Frequently asked questions

### Is Elsa Allmendinger a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Elsa holds no broker registration, and Kelman-Lazarov reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Elsa charge for financial advice?

Elsa's firm, Kelman-Lazarov, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Elsa Allmendinger based?

Elsa Allmendinger is based in Memphis, Tennessee.

### What does Elsa specialize in?

Elsa's specialties include retirement planning, estate & legacy planning, tax planning and family wealth transfer. Elsa works with multi-generational families.

### Is Elsa Allmendinger registered with the SEC?

Yes. Elsa Allmendinger is registered as an investment adviser representative in TN (CRD 8319842), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Kelman-Lazarov manage?

Kelman-Lazarov reports $894.6M across 1,512 accounts in assets under management.

### How do I contact Elsa Allmendinger?

Through Elsa's website, www.kelman-lazarov.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/8319842): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://kelman-lazarov.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.