{"url":"https://nivawealth.com/firms/townsend-financial-planning-141571","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/141571","regulatoryAum":148313084,"crd":"141571","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7181878","suffix":null,"lastName":"Bailey","firstName":"Harrison","middleName":"Nicholas"},{"crd":"7709098","suffix":null,"lastName":"Creech","firstName":"Jeremiah","middleName":"Matthew"},{"crd":"5204108","suffix":null,"lastName":"TOWNSEND","firstName":"MELODY","middleName":"JO"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2024-07-02","regulatoryAum":115967684,"clients":149,"employees":5,"offices":3},{"filedOn":"2025-02-20","regulatoryAum":130490911,"clients":154,"employees":5,"offices":3},{"filedOn":"2026-05-12","regulatoryAum":148313084,"clients":160,"employees":6,"offices":3}],"secFileNumber":"801-130686","legalName":"Townsend Financial Planning, LLC","displayName":"Townsend Financial Planning","slug":"townsend-financial-planning-141571","website":"https://townsendfinancialplanning.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/141571/6266114c775950e1-r1.webp","tone":"light","width":899,"height":200,"sourceUrl":"https://townsendfinancialplanning.com/","sourceLabel":"Townsend Financial Planning, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/townsend-financial-planning/","xUrl":"https://x.com/feeonlytownsend","founded":null,"organization":"Kentucky limited liability company","fiscalYearEnd":"December","headquarters":{"street":"102 South Maysville Street, Suite 1","city":"MT. 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They include 122 individual clients and 38 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 12 May 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Townsend Financial Planning offer?","answer":"Townsend Financial Planning provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, publishing newsletters, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Townsend Financial Planning use?","answer":"Townsend Financial Planning’s separately managed account assets are held at Fidelity Investments (Boston, MA), with $133M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 12 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Townsend Financial Planning have?","answer":"Townsend Financial Planning has 3 investment adviser representatives registered with state securities authorities, out of 6 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Townsend Financial Planning invest in?","answer":"At the end of its last fiscal year, Townsend Financial Planning’s separately managed accounts held 80% registered funds (mutual funds, ETFs, BDCs), 10% cash and equivalents, 6% pooled vehicles (private funds and similar), 3% other, 1% exchange-traded equities and 1% state and local bonds. The 3% other category is described as: Funds in the \"Other\" Category Include Annuities, Fixed Income, and Mutual Funds That Don'T Classify Automatically in Our Reporting System.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Townsend Financial Planning?","answer":"Townsend Financial Planning’s direct owner is Melody Townsend (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 12 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Townsend Financial Planning get paid?","answer":"Townsend Financial Planning is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Townsend Financial Planning registered with the SEC?","answer":"Yes, Townsend Financial Planning has been registered with the SEC as an investment adviser since 17 July 2024. Its CRD number is 141571 and its SEC file number is 801-130686.","source":"Form ADV Part 1A, Item 1, filed 12 May 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Townsend Financial Planning?","answer":"Townsend Financial Planning’s main office is at 102 South Maysville Street, Suite 1, MT. Sterling, KY 40353. Its phone number is 859-498-2020. Its website is townsendfinancialplanning.com.","source":"Form ADV Part 1A, Item 1.F, filed 12 May 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/townsend-financial-planning-141571/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-06","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2110688/000211068826000006/0002110688-26-000006-index.html","totalValue":114718570,"positionCount":30,"top10Share":0.8645389495353717,"top10":[{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":29854026,"shares":39864,"shareType":"SH","priorValue":26069120,"priorShares":39909},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P MCP ETF","cusip":"464287507","value":13191258,"shares":171071,"shareType":"SH","priorValue":11927812,"priorShares":176630},{"issuer":"ISHARES TR","titleOfClass":"CORE US AGGBD 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}