Townsend Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Townsend Financial Planning serves individuals, families and small-business owners with fee-only financial planning and investment management, and also offers employer retirement-plan consulting and trustee services. As of December 31, 2025 the firm reported about $148.3 million in discretionary assets under management and serves roughly 160 clients through a three-advisor team.
The firm operates as a fiduciary and follows a fundamental, long-term buy-and-hold approach informed by Modern Portfolio Theory, emphasizing diversified asset allocation, periodic rebalancing, and use of low-cost index mutual funds and ETFs. Townsend provides discretionary portfolio management alongside tailored financial planning engagements and may engage third‑party managers (TAMPs) or implement custom hourly or flat‑fee projects when appropriate.
Several communications and client-education practices distinguish the firm: it publishes periodicals/newsletters, runs educational seminars or workshops (including employer-focused sessions), and uses client testimonials in advertising via third‑party platforms. Townsend also emphasizes relationship management—coordinating clients’ attorneys, tax professionals and insurance advisors—and offers trustee services, which are less common among similarly sized supported firms.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Financial Planning project fees ranging from $795 to $3,725; examples include Navigating Retirement $3,250, Retirement Roadmap $3,725, Core Financial Plan $2,650, Financial Check Up $795
$0 - $750,000: 1.00% $750,001 - $2,000,000: 1.00% $2,000,001+: 0.50% on next $2 million, 0.25% thereafter
Customized Engagements - $75-$300 per hour depending on Advisor/Administrative Staff
Account minimum: $750,000 Fee-only: Fee-Only financial planning and wealth/investment management services; no commissions accepted.
Main office
102 South Maysville Street, Suite 1
Mt. Sterling KY 40353
Advisors at this office
3
Most active in
Florida · Kentucky
Also doing business as
Melody W. Townsend Dba Townsend Financial Planning · Townsend Financial Planning · Townsend Financial Planning, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Melody T
CFP®
Mt. Sterling, KY
Townsend Financial Planning
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 C
CFP®, Series 65
Mt. Sterling, KY
Townsend Financial Planning
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 B
CFP®, Series 65
Mt. Sterling, KY
Townsend Financial Planning
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.
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