Melody Townsend

CFP®

Townsend Financial Planning, LLC

CERTIFIED FINANCIAL PLANNER,™ professional

Contact Me

Melody Townsend

CFP®

Townsend Financial Planning, LLC

CERTIFIED FINANCIAL PLANNER,™ professional

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Melody Townsend, CFP®

Contact Me

(859) 498-2020

Website

Fee-Only financial planner located in Mount Sterling, Lexington and Louisville, KY, serving clients locally and across the country

Melody Townsend is a Mount Sterling, Lexington and Louisville, KY fee-only planner. Townsend Financial Planning provides comprehensive and objective financial planning and wealth management to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Melody Townsend is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Melody W. Townsend  is the founding principal of Townsend Financial Planning, LLC, an independent financial planning and investment management firm headquartered in Mount Sterling, Kentucky, with additional offices in Lexington and Louisville.

As a CERTIFIED FINANCIAL PLANNER™ professional, Melody focuses on providing fee-only financial planning and investment advice to individuals, families and business owners from all walks of life. Unlike other advisors who may work on commission, Melody makes it her mission to act in the best interests of her clients at all times.

“I want to help our clients better understand the value of financial planning, help them determine their goals and then see how we can reach them,” says Melody, a graduate of Morehead State University whose financial expertise has been quoted in leading national publications, including The Wall Street Journal, Financial Advisor Magazine and USA Today.

Melody is a member of the National Association of Personal Financial Advisors and former board member of the Kentucky Financial Planning Association. She is also a proud member of the Garrett Planning Network – a group of fee-only financial advisors who strive to make reliable, professional financial advice accessible to everyone, not just those with high net worth.

Outside of her professional work with Townsend Financial Planning, Melody is a devoted wife and mother to two children (Anna and Alden) and maintains a family farm while serving her community as Montgomery County’s elected Commissioner for District 3.

Interested in speaking with Townsend Financial about your financial planning needs? Melody believes in building long-term relationships with her clients based on trust and integrity. She invites you to schedule a complimentary “get acquainted” meeting to discuss your financial goals and objectives. 

“I truly believe that with planning comes peace,” she says.

Melody Townsend is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Townsend Financial Planning, LLC is a full-service financial planning and investment management firm headquartered in Mount Sterling, KY, with additional offices in Lexington and Louisville. 

Founded in 2006, our firm offers a broad spectrum of financial planning services, including investment management, retirement planning and estate planning.

Our team of talented financial advisors believes in earning trust by building personal relationships with our clients. We focus on providing expert, fee-only financial planning and investment advice to individuals, families and businesses from all walks of life.

Our vision is simple: “With planning comes peace.” This mantra is what drives us. We make it our mission to act in the best interest of our clients – always.

Let us help you make sound decisions as you navigate your financial journey. We are knowledgeable, friendly and always ready to help. This is not just a job to us; it is our mission.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • Certified Financial Planner (CFP)
    Melody Townsend is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • National Association of Personal Financial Advisors (NAPFA)
    Melody Townsend is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Garrett Planning Network - GPN
    Melody Townsend is a member of the Garrett Planning Network. Click here to learn more.

    Everyone needs competent, objective financial advice from time to time. The Garrett Planning Network has a nationwide membership with hundreds of independent, Fee-Only financial planners providing advice to people from all walks of life, without minimum account requirements, sales commissions, or long-term commitments. Our members proudly embrace their fiduciary duty, always placing their clients' best interests first.

Contact Melody Townsend

(859) 498-2020

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Office Locations:

  • 710 East Main St.
    Lexington, KY 40502
  • 36 E Main St
    Mount Sterling, KY 40353
  • 7058 New LaGrange Road
    Suite 6
    Louisville, KY 40222

All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Melody W. Townsend, Principal, Townsend Financial Planning, LLC, or her editorial staff. Information, resources and material offered are believed to be from reliable sources, and no representations are made as to their accuracy or completeness. Townsend Financial Planning, LLC, has no control over the accuracy or content in websites found through the links within. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Fee-only financial planning and investment advisory services are offered by Townsend Financial Planning, LLC, a registered investment advisory firm in the state of Kentucky. The presence of this website on the internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell securities or investment advisory services to residents of any state other than the state of Kentucky or where otherwise legally permitted or where an exemption or exclusion from such registration exists. We are legally empowered to provide investment advisory services to residents of Kentucky.

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