Wealthtender Wealthtender

Financial Professionals
Sign In / Sign up

Individuals
Subscribe for Money Tips

Wealthtender

Melody Townsend, CFP®

Comprehensive financial planning backed by exceptional service.

Connect Cancel

Wealthtender Community Connect helps people discover the best financial advisors for their individual needs through their favorite blogs and podcasts.

Click Here to Learn More
Contact Me
Townsend Financial Planning Melody Townsend, CFP®
Mount Sterling, KY

Serving Clients Nationwide

Comprehensive financial planning backed by exceptional service.

859.498.2020

Website

Areas of Focus

  • Financial Life Planning
  • Investment Management
  • Retirement Planning
  • Taxes

About Me

Born to young parents in rural Powell County, Kentucky, Melody Townsend had the ideal childhood. Raised on a family farm, she learned to work hard, while always putting God and family first. Although Melody’s family did not have much money, her parents were selfless and always provided. Most importantly, she learned at an early age that richness in life doesn’t have to come directly from finances.

Melody started her journey in the realm of finance while working as a student teller at a community bank. As a first-generation college student, she earned a scholarship to Morehead State University and was excited to attend one of the only schools in the area that offered a program to prepare for becoming a CERTIFIED FINANCIAL PLANNER™ professional.

While at Morehead, her professor shared an opportunity to compose an essay to win an all-expenses-paid trip to Chicago. Always determined, Melody entered the competition, and her essay, titled “Why I Am Interested in Entering the Fee-Only Financial Planning Profession,” won! Never having flown before, and one week following the 2001 attacks on the World Trade Center, Melody flew to Chicago and attended the conference that changed the trajectory of her life. She fell in love with the profession and knew she wanted to be a fee-only advisor.

After graduation, Melody interned with one of the few fee-only planners in Kentucky and was later hired by the firm. Following another job transition and tremendous professional growth, Melody reevaluated her goals. Family first – a value that was instilled in her at such a young age – was always at the forefront.

Being newly married and knowing she wanted to start a family in the future, she could not imagine having work-life balance in her current job situation. At age 26, Melody courageously decided to end her 65-minute commute and stable job position to open her own firm in her hometown of Mt. Sterling, Kentucky.

Her firm, Townsend Financial Planning, celebrated its 15th anniversary in October 2021, and Melody could not be happier. The company has seen substantial growth, with total assets under management growing from $15 million in 2017 to $94 million at the end of 2021.

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 20 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. If she could be remembered for one thing it is that she gives people all the grace. She wants people to know they are important and that their lives truly matter to God.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER™ Professional

Affiliations

  • Fee Only 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
Book Intro Call

Compensation Methods

  • Fee Only
  • Flat Fee
  • One-time Financial Plan
  • 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 our Firm

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

Hobbies and Interests

  • Family
  • Reading
  • Traveling

SEC Lookup

View Disclosure

Who We Serve

  • Baby Boomers
  • Corporate Executives
  • Dual Income Family
  • Families
  • Gen X
  • Intergenerational Families
  • Living in Retirement
  • Parents

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Looking for a Financial Advisor in Mount Sterling, Kentucky?