# Heather Townsend

> Heather Townsend is a fee-only financial advisor at Townsend Financial, LLC in Scottsdale, Arizona, who holds the CFP, CPA and BBA credentials. Heather charges an ongoing planning fee (ongoing planning from $20,000 a year) and focuses on founders (pre-exit), tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/heather-townsend/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Townsend Financial, LLC
- **Based in:** Scottsdale, Arizona
- **Fee model:** Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $20,000 a year
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $50.3M across 248 accounts
- **Credentials:** CFP, CPA, BBA, RLP
- **Specialties:** Founders (pre-exit), Tax planning, Estate & legacy planning, Retirement planning, Family wealth transfer, Small business owners
- **Works with:** Founders, Ultra high net worth
- **CRD:** 6884113 (https://adviserinfo.sec.gov/individual/summary/6884113)
- **SEC registration:** Investment adviser representative in AZ, CA, TX
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://townsend-financial.com

## Frequently asked questions

### Is Heather Townsend a fee-only financial advisor?

Yes. Heather Townsend is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Heather's firm.

### How does Heather charge for financial advice?

Heather charges an ongoing planning fee.

### How much does Heather charge?

According to Townsend Financial, LLC's website, checked October 28, 2026: ongoing planning from $20,000 a year.

### Does Heather work with clients virtually?

Yes. Townsend Financial, LLC says on its website that it works with clients remotely.

### Where is Heather Townsend based?

Heather Townsend is based in Scottsdale, Arizona.

### What does Heather specialize in?

Heather's specialties include founders (pre-exit), tax planning, estate & legacy planning, retirement planning, family wealth transfer and small business owners. Heather works with founders and ultra high net worth.

### What credentials does Heather Townsend hold?

Heather Townsend holds the CFP, CPA, BBA and RLP credentials.

### Is Heather Townsend registered with the SEC?

Yes. Heather Townsend is registered as an investment adviser representative in AZ, CA and TX (CRD 6884113), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Townsend Financial, LLC manage?

Townsend Financial, LLC reports $50.3M across 248 accounts in assets under management.

### How do I contact Heather Townsend?

Through Heather's website, townsend-financial.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/39759): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.townsend-financial.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.