At Terra Firma Financial Advisory, we understand the financial world can be bogged down by sales gimmicks and trendy buzzwords. Thomas “Skip” Kelley’s goal is to cut through the bull and provide clients with straightforward financial strategies that are in plain English. No condescending financial jargon. As a fiduciary, Skip only recommends strategies that are in the best interest of his clients. Skip wants his clients to be educated on what we are doing, how we are doing it, and why we are doing it.




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Thomas “Skip” Kelley
Thomas “Skip” Kelley grew up in the shadow of Boston in the historic suburban town of Lexington, Massachusetts. His life changed dramatically when his parents bought a cottage colony along the shores of Lake Winnipesaukee where he spent most of his youth and was further shaped by life in the humble town of Moultonborough, New Hampshire
Skip displayed his work ethic early on working in the foodservice industry starting as a dishwasher at the tender age of 13 and becoming the manager while still in High School believing that would be his future vocation. In 1974 Skip put himself through the University of New Hampshire’s Whittemore School of Business and Economics graduating in 1979 thus creating a lifelong Wildcat fan. That strong work ethic opened doors to a Fortune 500 company, where he achieved remarkable success in sales and marketing for two decades. In 1999, driven by his unwavering entrepreneurial spirit, Skip took a leap of faith and left the corporate world behind to forge his own path in finance and real estate.

Skip understands the importance of your legacy and has made it his priority to help his clients experience the peace of mind they deserve in retirement
In 2013 after personally experiencing a lifetime of the vagaries and realities of the financial markets he founded his practice on sturdy principles and no-nonsense strategies to help his clients. As a dually licensed Fiduciary and holistic Advisor Skip is driven to work in the best interests of his clients. He utilizes his experience in finance and real estate while working with market trading organizations, elder law attorneys and certified public accountants. He built Terra Firma Financial Advisory to work with real, hard-working people by providing them with financial education and direction using plain English and common sense. He also incorporated in-house tax strategy and preparation along with Estate Planning to assist our clients in all things related to retirement finance and legal standing conveniently under one roof.
His practice utilizes comprehensive Income Planning which is the only way he knows one can experience the peace of mind one deserves in retirement. Skip now enjoys working with clients and small businesses through one-on-one meetings, dinner seminars and workshops as well as educating the public through his radio and television shows.
Skip married his wife Kathleen in 1982 where they raised their family in Bedford NH for 28 years. When the kids went to school Kath went back to work teaching Health and Phys Ed at Bedford High School for a decade before graduating to Grandmotherhood. The Kelley’s have three children, Duke, Ryder and Cody Rose who since graduating have all moved out west to follow their ski dreams out in Lake Tahoe. Cody Rose is the sole returnee who came back to work in finance with her dad. Skip and Kath are now blessed to reside back up in God’s country overlooking the lake once again and chasing their four Grandkids.
As a big time, sports fan, it is only natural that he loves the Sox, Pats, Bruins and Celts along with his beloved Wildcats. A big supporter of children’s athletics, Skip has a long resume of coaching and sat on the board of several local leagues. Nothing is more important to Skip than the family and he relishes every moment, whether it’s boating, water skiing, snow skiing, hiking, golf or flying his little two-seater putt-putt Piper Colt.


Director of Operations
Medicare Licensed Insurance Consultant

New Business Coordinator

The simple truth is a successful retirement plan often depends on one thing: not outliving your money. Skip stresses the importance of creating diversified strategies to balance clients’ retirement portfolios. He is licensed as both an insurance professional and investment adviser, which enables him to manage both guaranteed income avenues and stock market investments in clients’ portfolios.
Our philosophy starts with reverse engineering your goals into a comprehensive financial plan. At Terra Firma Financial Advisory, we utilize guaranteed income strategies to protect your todays. We then implement a growth strategy focusing on market investments that hedge for inflation and rising healthcare costs all the while looking at tax efficiency and social security optimization.
Skip serves individuals and small businesses in the Southern, Central, and Seacoast areas of New Hampshire. He educates the public on retirement income options through 50+ educational workshops and dinner seminars annually in addition to his weekly television and radio shows.


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Director of Operations
Lisa is our Director of Operations here at SMRS Financial Advisory. She has a wealth of experience with over twenty six years in the Financial Services and the Insurance Industry. Prior to joining our team Lisa spent 11 years in 401(k) Account Management and for the past decade Lisa was Manager for COBRA Administration and Financial Management.
Lisa received her designation from Bentley College in 1996 from the Pension and Employee Benefits Program and has an additional certification in COBRA , FSA & HRA Administration. She is a fully licensed Producer for Life, Accident & Health Insurance since 2017 and is currently working on her securities license.
Lisa believes that peak level customer service and personal touch is critical in creating mutual trust and a successful long-term client relationship. She is dedicated to going above and beyond and committed to making a real difference in the lives of our client families.
Lisa is the Mother of two grown boys, her pride and joy. Palm trees are in her dreams as anyone who sees the license plate on her Jeep will attest. She and her Fiance Ed enjoy the Summer season with backyard grilling and fires and snowmobiling in the Winters. If not walking the beach in Rye can be found most every morning working out like a Trojan at the gym …. so don’t be giving her any trouble!
Medicare Licensed Insurance Consultant
Bio Coming Soon!
Administrative Assistant
Bio Coming Soon!