{"url":"https://nivawealth.com/firms/townsend-personal-financial-planning-126241","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/126241","regulatoryAum":194042419,"crd":"126241","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5475721","suffix":null,"lastName":"TOWNSEND","firstName":"TYLER","middleName":"ASHLEY"},{"crd":"4651077","suffix":null,"lastName":"TOWNSEND, 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fees","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":2000000,"pct":0.8,"from":1000000},{"to":5000000,"pct":0.65,"from":2000000},{"to":10000000,"pct":0.5,"from":5000000},{"to":20000000,"pct":0.35,"from":10000000},{"to":null,"pct":0.2,"from":20000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007066","versionId":1007066,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-02-06","documentName":"TWM ADV PART 2","fee_rate_low":0.2,"fee_rate_high":1,"fee_negotiable":false,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:50:51.419189+00:00","documents":[{"name":"TWM ADV PART 2","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007066","versionId":1007066,"submittedOn":"2026-02-06"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":149111785}],"custodyNote":"Townsend Personal Financial Planning has custody of $79.6M in client assets for 79 clients.","leadership":[{"name":"Tyler Townsend","title":"Chief Compliance Officer / Managing Partner","crd":"5475721"}],"ownership":[{"label":"Tyler Townsend","detail":"Chief compliance officer / managing partner in the 75% or more ownership band and a control person, since January 2008."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Georgia","offices":1,"addresses":[{"street":"6867 Mountainbrook DR, Ste 102","city":"Columbus","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"706-221-8200","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Other"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":6},{"label":"Securities issued by registered investment companies or business development companies","percent":93},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"25 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/126241/PDF/126241.pdf","brochureDate":"6 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007066","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Townsend Personal Financial Planning have?","answer":"Townsend Personal Financial Planning has 179 clients and manages $194 million for them, as of February 2026. They include 119 individual clients and 60 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 25 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Townsend Personal Financial Planning offer?","answer":"Townsend Personal Financial Planning provides financial planning and portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Townsend Personal Financial Planning charge?","answer":"Townsend Personal Financial Planning charges 0.20%–1.00% a year for its Investment management fees. Each asset band is charged at its own rate. The fee is billed in arrears and is not negotiable.","source":"TWM ADV PART 2, filed 6 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Townsend Personal Financial Planning use?","answer":"Townsend Personal Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $149M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Townsend Personal Financial Planning have?","answer":"Townsend Personal Financial Planning has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 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 Personal Financial Planning invest in?","answer":"At the end of its last fiscal year, Townsend Personal Financial Planning’s separately managed accounts held 93% registered funds (mutual funds, ETFs, BDCs), 6% exchange-traded equities and 1% cash and equivalents.","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 Personal Financial Planning?","answer":"Townsend Personal Financial Planning’s direct owner is Tyler Townsend (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 25 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Townsend Personal Financial Planning get paid?","answer":"Townsend Personal Financial Planning is paid through a percentage of assets under management 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 Personal Financial Planning registered with the SEC?","answer":"Yes, Townsend Personal Financial Planning has been registered with the SEC as an investment adviser since 4 February 2021. Its CRD number is 126241 and its SEC file number is 801-120269.","source":"Form ADV Part 1A, Item 1, filed 25 February 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Townsend Personal Financial Planning?","answer":"Townsend Personal Financial Planning’s main office is at 6867 Mountainbrook DR, Ste 102, Columbus, GA 31904. Its phone number is 706-221-8200. Its website is townsendwm.com.","source":"Form ADV Part 1A, Item 1.F, filed 25 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. 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."}