# Ryan Townsley

> Ryan Townsley is a fee-only financial advisor at Town Capital in Bel Air, Maryland, who holds the CFP and MBA credentials. Ryan focuses on retirement planning, tax planning and estate & legacy planning. Town Capital reports charging a percentage of assets and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Town Capital
- **Based in:** Bel Air, Maryland
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Works virtually:** Yes (firm's website)
- **Assets under management (firm):** $168.8M across 681 accounts
- **Credentials:** CFP, MBA
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning, Student loans, Pension planning
- **CRD:** 6885396 (https://adviserinfo.sec.gov/individual/summary/6885396)
- **SEC registration:** Investment adviser representative in MD, TX
- **Exams passed:** Series 65 (2018), Series 66 (2018)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** http://towncapitalllc.com

## Frequently asked questions

### Is Ryan Townsley a fee-only financial advisor?

Yes. Ryan Townsley 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 Ryan's firm.

### How does Ryan charge for financial advice?

Ryan's firm, Town Capital, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Does Ryan work with clients virtually?

Yes. Town Capital says on its website that it works with clients remotely.

### Where is Ryan Townsley based?

Ryan Townsley is based in Bel Air, Maryland.

### What does Ryan specialize in?

Ryan's specialties include retirement planning, tax planning, estate & legacy planning, student loans and pension planning.

### What credentials does Ryan Townsley hold?

Ryan Townsley holds the CFP and MBA credentials.

### Is Ryan Townsley registered with the SEC?

Yes. Ryan Townsley is registered as an investment adviser representative in MD and TX (CRD 6885396), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Town Capital manage?

Town Capital reports $168.8M across 681 accounts in assets under management.

### How do I contact Ryan Townsley?

Through Ryan's website, towncapitalllc.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/47523): 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://towncapitalllc.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.