Melody Townsend, CFP®

Comprehensive financial planning backed by exceptional service.

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Townsend Financial Planning Melody Townsend, CFP®
Mount Sterling, KY

Serving Clients Nationwide

Comprehensive financial planning backed by exceptional service.

1 Certified Advisor Reviews™
5 out of 5 Stars
Rate this Advisor

Areas of Focus

  • Estate Planning
  • Financial Life Planning
  • Investing
  • Investment Management
  • Retirement Planning
  • Social Security
  • Tax-Smart Distribution Planning
  • Taxes

About Melody Townsend, CFP®

Melody Townsend launched Townsend Financial Planning in 2006 as a solo practitioner specializing in comprehensive financial planning. Because of client demand, in 2016 she added investment management services and since then the firm has seen substantial growth, with total assets under management growing from $15 million to $134 million at the beginning of 2025.

Since starting the firm, Melody has been quoted in publications such as The Wall Street Journal, USA Today, and Financial Advisor magazine. She loves the trusted relationships she has built with her clients and employees over the years and says, “Most days do not even feel like work. It just feels like doing life with some really amazing people!”

Melody started a family and was able to be a present mom. Her two children, Anna and Alden, now ages 10 and 8, spent many days in the office as babies, which allowed Melody to be both a successful mom and advisor. She now even has time to enjoy her hobbies of reading, playing card games, road trips, and enjoying occasional date nights and delicious food with her husband of more than 25 years, Jason!

Giving back to her community is also important to Melody. In 2015, she was elected to serve as a County Commissioner. In 2019, she was re-elected for a second term. However, due to tremendous business growth, she opted not to seek re-election when her term concluded in December 2022.

Melody always thought she would be a teacher… and, in some ways, she is. She is a true fiduciary; she breaks down challenging financial topics and helps her clients be good stewards with their money – proving that with planning comes peace.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER™ Professional

Affiliations

  • Fee Only Network
  • Garrett Planning Network
  • National Association of Personal Financial Advisors

Primary Location

36 East Main Street, Mt. Sterling, KY 40353

Additional Locations

📍 710 East Main Street Lexington, KY 40502

📍 7508 New LaGrange Road, Ste. 6 Louisville, KY 40222

Video

Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Advice-Only
  • Fee Only
  • Flat Fee
  • One-time Financial Plan
  • Package Offers
  • Percentage of Assets Managed

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule a free introductory call. We understand your time is valuable, so we offer a brief introductory phone call to answer your most pressing questions about our services. Gather your questions and we will give you a call at the time you select. We look forward to speaking with you soon!

Offers Investment Management

Yes

About Townsend Financial Planning

While there are countless advantages to engaging a knowledgeable financial advisor, our clients say the most significant value Townsend Financial Planning provides is peace of mind.

From college and retirement planning to investment allocation and cash flow projections, TFP manages the technical aspects to mitigate financial risk and position you for long-term success. Regardless of financial goals or stage of life, our advisors walk hand-in-hand with each client to navigate their financial journey.

FEE-ONLY CERTIFIED FINANCIAL PLANNER™ Professionals

Engaging a fee-only CERTIFIED FINANCIAL PLANNER™ is a huge benefit to TFP clients. With no conflicts of interest to sell a certain commission-based product line, we are free to serve with transparency, plan with no hidden charges, and do what is best for our clients every single time.

OUR FIDUCIARY RESPONSIBILITY

As a fiduciary, TFP puts the client’s best interests above all else. It is our ethical duty to recommend investments and strategies that best support a client’s individual circumstances and financial goals, which is why all our advisors are CERTIFIED FINANCIAL PLANNER™ professionals.

Top 5 Reasons People Choose Townsend Financial:

1️⃣ Trust

2️⃣ Personal Service

3️⃣ Above & beyond approach

4️⃣ Professional & friendly team

5️⃣ Belief system/ value alignment

We are here to help.

Whether you’re ready to get started or just interested in learning more, we are here for you. Simply tell us a little bit about yourself, and we will put you on the right financial path.

Education

Morehead State University, Bachelor of Business Administration (BBA), Financial Planning and Services

Volunteer Experience

Melody has always been passionate about giving back to her community. As an elected County Commissioner for 8 years (2015-2023), she worked tirelessly to help navigate fiscal challenges, ensuring vital county services remained strong while being mindful of how taxpayer dollars were spent. She currently serves on a local government board focused on expanding broadband access throughout the county, connecting communities and fostering growth. In addition to her work in government, Melody is dedicated to supporting those in need. She volunteers at the Sterling Food Coalition, a local food pantry, and wholeheartedly supports its mission to provide nourishment and assistance to her neighbors. Her commitment to service extends to her professional community as well, having previously served as the Media Relations Director on the Financial Planning Association of Kentuckiana Board and a Member Advisory Board member of the Garrett Planning Network. Melody’s volunteer work reflects her deep care for both her community and her profession, and it drives her to create meaningful, lasting impact wherever she can.

Hobbies and Interests

  • Basketball
  • Beach
  • Board Games
  • Church
  • Eating Out
  • Family
  • Gardening
  • Reading
  • Relaxing
  • Traveling
  • Walking

Who We Serve

  • Baby Boomers
  • Couples
  • Dual Income Family
  • Educators
  • Entrepreneurs
  • Families
  • Gen X
  • Gen Y / Millennials
  • Government Employees
  • Individuals
  • Intergenerational Families
  • Living in Retirement
  • Parents
  • Single Women
  • Widow
  • Women in Transition
  • Women Professionals
  • Women’s Finance

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Extremely knowledgeable and great advisor

✅ Wealthtender Certified Advisor Review™
Feb 21, 2025
Melody originally helped us consolidate all our retirement accounts from several previous employers. From that initial work, we entrusted her to manage all our retirement accounts. I actually thought I knew what I needed to about retirement accounts to ensure we maximized our investments, but regular talks with her have confirmed that working with an expert really makes all the difference in maximizing returns and planning for retirement as soon as possible. We are very grateful for the services Melody and her team provide!
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
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