# Thomas Kelly

> Thomas Kelly is a fee-only financial advisor at Kelly Investment Management in Carlsbad, California, who holds the CFP credential. Thomas charges a one-time planning fee (one-time plans from $249) and focuses on student loans and retirement planning.

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

## Facts

- **Firm:** Kelly Investment Management
- **Based in:** Carlsbad, California
- **Fee model:** One-time planning fee
- **Fees (firm's website):** one-time plans from $249
- **Assets under management (firm):** $571K across 8 accounts
- **Credentials:** CFP
- **Specialties:** Student loans, Retirement planning
- **CRD:** 6432291 (https://adviserinfo.sec.gov/individual/summary/6432291)
- **SEC registration:** Investment adviser representative in CA, NC
- **Exams passed:** Series 63 (2017), Series 65 (2017)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://www.investwithkim.com

## Frequently asked questions

### Is Thomas Kelly a fee-only financial advisor?

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

### How does Thomas charge for financial advice?

Thomas charges a one-time planning fee.

### How much does Thomas charge?

According to Kelly Investment Management's website, checked October 30, 2026: one-time plans from $249.

### Where is Thomas Kelly based?

Thomas Kelly is based in Carlsbad, California.

### What does Thomas specialize in?

Thomas's specialties include student loans and retirement planning.

### What credentials does Thomas Kelly hold?

Thomas Kelly holds the CFP credential.

### Is Thomas Kelly registered with the SEC?

Yes. Thomas Kelly is registered as an investment adviser representative in CA and NC (CRD 6432291), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Kelly Investment Management manage?

Kelly Investment Management reports $571K across 8 accounts in assets under management.

### How do I contact Thomas Kelly?

Through Thomas's website, www.investwithkim.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6432291): 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://www.investwithkim.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.