Melody J. Townsend
TOWNSEND FINANCIAL PLANNING
Mt. Sterling, KY 40353
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CRD#: 5204108
Professional summary
Melody Jo Townsend, CFP® is a registered financial advisor currently at TOWNSEND FINANCIAL PLANNING located in Mt. Sterling, Kentucky.
Melody is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2010. Melody has worked at 1 firm .
Biography
Melody W. Townsend is a Mount Sterling, Lexington and Louisville, KY fee-only planner. Townsend Financial Planning provides comprehensive and objective financial planning 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. She is a CERTIFIED FINANCIAL PLANNER™ practitioner and holds a Bachelor of Business Administration degree in Finance from Morehead State University. She has served on the board of the Kentucky Financial Planning Association (FPA). Melody has been quoted in The Wall Street Journal, USA Today & featured in the cover story of Financial Advisor Magazine. In her free time, she enjoys spending time with her husband and children on their family farm. Her professional goal is to build long-term relationships with her clients based on trust and integrity, and to continue to expand her business through referrals from satisfied clients.
Melody & her team understands your time is valuable. That's why they offer a brief introductory phone call to provide you with an opportunity to have your most pressing questions about our services answered before scheduling a video/in-person meeting. So, go ahead and gather your questions and they will give you a call at the time you selected. Schedule an introductory call
Question & Answer
What are your service offerings?
Retirement Planning
Insurance Planning
Retirement Income Management
Estate Planning
Comprehensive Financial Planni...
Education Planning
Investment Planning
Employee and Employer Plan Ben...
Tax Planning
Do you have an area of expertise or specialization?
AUM
College/Education Planning
Estate & Generational Planning...
Insurance Related Issues
Investment Advice with Ongoing...
Retirement Planning & Distribu...
Are you a "fiduciary"?
Yes
Aliases
None
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
Melody W. Townsend serves on the Montgomery County Fiscal Court as an elected official. She serves as Montgomery County Commissioner - District #3 for the term 2019 - 2022. This position is non-investment related. The address is 44 W. Main Street, Mt. Sterling, KY 40353. The number of hours varies widely each month. An average might be 16 hours per month. KRS 67.080 establishes an outline of the fiscal court's responsibilities. Under this statute, the fiscal court may appropriate county funds for lawful purposes, buy and sell county property, supervise the fiscal affairs of the county and county officers, and exercise all other corporate powers of the county. Further, the fiscal court may investigate all activities of county government and establish appointive offices and define their duties (KRS 67.080). This statute also mandates certain fiscal court duties. The fiscal court must appropriate county funds for various purposes required by law. Additionally, the fiscal court is responsible for the construction, operation, and maintenance of county buildings, roads, and other property, and for the incarceration of prisoners. Incarceration of prisoners may be accomplished either by maintaining a jail or by contracting with another county to provide jail space. The fiscal court is also directed to adopt an administrative code for the county (KRS 67.080). KRS 67.083 outlines additional powers of the fiscal courts. See the following section for specific powers of the fiscal court under that statute. In addition, LRC's publication "County Government In Kentucky" outlines the powers and functions of fiscal courts in Kentucky.
CRS (Client Relationship Summary) - RIA
Click below to view Melody Jo Townsend's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 2004
Experience
Current
April 1, 2010 - Present
TOWNSEND FINANCIAL PLANNING
Office #1: 36 East Main Street, Mt. Sterling, KY 40353RIA
CRD#: 141571
Mt. Sterling, KY
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
TOWNSEND FINANCIAL PLANNING
MELODY W. TOWNSEND DBA TOWNSEND FINANCIAL PLANNING | TOWNSEND FINANCIAL PLANNING, LLC | TOWNSEND FINANCIAL PLANNING
CRD#: 141571 / SEC#: 801-130686
RIA
Registered Investment Advisory firm - (7/17/2024 Approved)Kentucky
Registered Investment Advisory firm - (7/29/2024 Terminated)Texas
Registered Investment Advisory firm - (12/3/2018 Terminated)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.Highlighted states indicate IAR registrations
IAR
Florida(9/10/2024)
IAR
Kentucky(4/1/2010)
Exams
Current Firm
TOWNSEND FINANCIAL PLANNING
MELODY W. TOWNSEND DBA TOWNSEND FINANCIAL PLANNING | TOWNSEND FINANCIAL PLANNING, LLC | TOWNSEND FINANCIAL PLANNING
CRD#: 141571 / SEC#: 801-130686
RIA
Registered Investment Advisory firm - (7/17/2024 Approved)Kentucky
Registered Investment Advisory firm - (7/29/2024 Terminated)Texas
Registered Investment Advisory firm - (12/3/2018 Terminated)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
36 East Main Street, Mt. Sterling, KY 40353
Mailing Address
Phone number
(859) 498-2020
Established
Firm type
Fiscal year end
# of Employees
5
SEC notice filing (2 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 516 |
| AUM (Assets Under Management) | $ 130,490,911 |
Red Flags
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