Andrew James Ryan

Melody Townsend is a CFP® professional with 15 years of experience, currently serving as an advisor at Townsend Financial Planning since 2006. She is the managing member of Mountain Sage Holdings, LLC, a commercial property management business in Mt. Sterling, Kentucky. Townsend Financial Planning is an SEC-registered, fee-only fiduciary firm that provides financial planning and investment management services to individuals, families, and small businesses. The firm employs a long-term, buy-and-hold investment strategy using diversified, low-cost mutual funds and ETFs, and offers a range of engagement types including trustee services and retirement-plan consulting.

Jeremiah Creech is a CFP® and holds a Series 65 license with three years of industry experience. He is currently with Townsend Financial Planning in Mt. Sterling, KY, where he has worked since 2022. Prior to this, he gained experience at Citizens Guaranty Bank and spent over a decade in full-time education before entering the financial industry. Townsend Financial Planning serves individuals, families, and small-business owners with fee-only financial planning and investment management, operating as a fiduciary with a long-term, diversified investment approach. The firm manages approximately $148 million in discretionary assets for about 160 clients through a team of three advisors and offers additional services including retirement-plan consulting and trustee services.

Harrison Bailey is a CFP® professional with six years of industry experience, currently serving as an advisor at Townsend Financial Planning in Mt. Sterling, KY. He has been with Townsend Financial Planning since 2016, including prior work associated with Morehead State University. Townsend Financial Planning provides fee-only financial planning and investment management services to individuals, families, and small-business owners. The firm operates as a fiduciary and employs a long-term, diversified investment strategy using low-cost index funds and ETFs, while also offering employer retirement-plan consulting and trustee services.

Jacob Hammons is a financial advisor with Cetera who holds a Series 66 designation and has six years of industry experience. His prior firms include Thrivent Financial and several entities within the Cetera network. Outside of his advisory work, he serves as an executor for his grandmother’s estate. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors.

Mollye Raney is a financial advisor at Edward Jones with 22 years of industry experience. She has been with Edward Jones since 2003 and holds Series 63 and Series 66 licenses. She serves as a board member for Clark Regional Medical Center in Winchester, KY. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory strategies supported by a large nationwide network of financial advisors and branch offices.

John Saunier is a financial advisor at Raymond James Financial Services Advisors, Inc. with 11 years of industry experience and holds the Series 66 designation. He has worked at Edward Jones and has been with Raymond James since 2018. Saunier is also involved with Central Bank & Trust and Central Investment Center Inc., where he sells and services investment clients and supports investment-related activities. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports institutional consulting and portfolio management through a large advisor network.