# Melody Townsend

> Melody Townsend is a fee-only financial advisor at Townsend Financial Planning in Mt. Sterling, Kentucky, who holds the CFP credential. Townsend Financial Planning reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/melody-townsend/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Townsend Financial Planning
- **Based in:** Mt. Sterling, Kentucky
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $148.3M across 579 accounts
- **Credentials:** CFP
- **CRD:** 5204108 (https://adviserinfo.sec.gov/individual/summary/5204108)
- **SEC registration:** Investment adviser representative in FL, KY
- **Firm size:** 6 employees
- **Disclosures:** None reported
- **Website:** http://www.townsendfinancialplanning.com

## Frequently asked questions

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

Yes, according to SEC records as of October 29, 2026: Melody holds no broker registration, and Townsend Financial Planning reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Melody charge for financial advice?

Melody's firm, Townsend Financial Planning, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Melody Townsend based?

Melody Townsend is based in Mt. Sterling, Kentucky.

### What credentials does Melody Townsend hold?

Melody Townsend holds the CFP credential.

### Is Melody Townsend registered with the SEC?

Yes. Melody Townsend is registered as an investment adviser representative in FL and KY (CRD 5204108), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Townsend Financial Planning manage?

Townsend Financial Planning reports $148.3M across 579 accounts in assets under management.

### How do I contact Melody Townsend?

Through Melody's website, www.townsendfinancialplanning.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5204108): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

---

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