Personalized Portfolio Management
Investment strategies built around your objectives, risk tolerance, income needs, and long-term goals.
INDEPENDENT REGISTERED INVESTMENT ADVISOR
FIDUCIARY INVESTMENT MANAGEMENT
DIRECT ACCESS TO YOUR PORTFOLIO MANAGER
SERVING NORTH COUNTY SAN DIEGO
Investment Management Centered on Your Objectives
Your portfolio should reflect more than a generic risk questionnaire. Kelly Investment Management develops and manages personalized investment strategies based on your objectives, time horizon, income needs, tax considerations, and risk tolerance.
Designed Around Your Goals
Portfolio construction and asset allocation are aligned with your objectives, time horizon, income needs, liquidity requirements, and tolerance for market risk.
Coordinated Across Your Accounts
Investment decisions consider retirement accounts, taxable accounts, cash reserves, taxes, investment costs, and concentrated positions as parts of one coordinated portfolio.
Managed as Circumstances Change
Your portfolio is continually monitored, rebalanced, and adjusted as markets, financial conditions, and your personal circumstances evolve.
Portfolio management should be guided by a clear framework rather than emotion or short-term predictions. Kelly Investment Management uses a long-term, asset-allocation-driven approach built around purposeful diversification, disciplined rebalancing, risk-adjusted portfolio construction, and informed flexibility as markets change.
A Disciplined Investment Philosophy
Managing a Portfolio Through Retirement
Retirement changes the purpose of a portfolio. Investment decisions must account for withdrawals, market volatility, cash reserves, taxes, required distributions, Social Security, pensions, and longevity.
Portfolio Withdrawals
Developing a sustainable approach to generating retirement income while addressing sequence-of-returns risk.
Cash and Fixed Income
Maintaining appropriate reserves and fixed-income investments for near-term spending and portfolio stability.
Tax-Aware Coordination
Coordinating withdrawals across taxable, tax-deferred, and tax-free accounts while accounting for required minimum distributions.
Retirement Income Sources
Integrating portfolio withdrawals with Social Security, pensions, and other sources of retirement income.
Ongoing Sustainability
Monitoring spending, portfolio performance, allocation, and changing income needs throughout retirement.
Who We Work With
Approaching Retirement
Individuals preparing to transition from accumulating assets to using their investments to support retirement income.
Living in Retirement
Retirees seeking ongoing portfolio management coordinated with withdrawals, taxes, required distributions, Social Security, pensions, and cash reserves.
Seeking More Personal Management
Investors with scattered accounts, those seeking a second opinion, or households that value direct access to the person responsible for managing their portfolio.
The firm generally works with households having at least $250,000 available for investment management. The minimum may be waived at the firm's discretion.
Before becoming a financial advisor, Tom built his foundation in a fast-paced, high-stakes trading environment.
After earning his master’s degree in Finance, Tom joined one of the nation’s three largest retail brokerage firms, where he served clients ranked among the firm’s top 1% by assets. He executed stock and options transactions throughout the trading day, with most orders involving multi-million dollar positions and some reaching tens of millions of dollars or more.
The work demanded speed, efficiency, sound judgment, and absolute attention to detail. Markets moved quickly, clients had substantial capital at risk, and even a minor error could carry significant consequences.
This experience distinguishes Tom from many traditional financial advisors. He began his career directly in the markets, developing hands-on knowledge of stocks, options, order execution, margin, cash management, market mechanics, and portfolio risk.
Tom later expanded his expertise into comprehensive financial planning and independent portfolio management. Today, as founder and portfolio manager of Kelly Investment Management, he combines real-world trading experience with a broader understanding of retirement, taxes, cash flow, and long-term financial security.
◆ Certified Financial Planner®
◆ Master's Degree in Finance
◆ Independent Investment Advisor
◆ Founder of Kelly Investment Management, LLC
Tom Kelly CFP®
Is Your Portfolio Aligned With What Comes Next?
Discuss your current investments, retirement plans, and portfolio priorities in an introductory conversation.
Request a Conversation
Encinitas, California
144 West D Street, Suite 110
Encinitas, CA 92024
Telephone
tom.kelly@investwithkim.com