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® and Series 65-licensed advisor with seven years of industry experience. He has been with Townsend Financial Planning since 2016 and also worked at Morehead State University from 2013 to 2017. Townsend Financial Planning serves individuals, families, and small-business owners with fee-only financial planning and investment management. The firm operates as a fiduciary, emphasizing a long-term, diversified, buy-and-hold investment approach and provides discretionary portfolio management alongside tailored planning engagements.