Townsend Financial Planning

Melody Townsend is a CFP® professional with 15 years of experience, currently serving as an advisor at Townsend Financial Planning since 2006. She is the managing member of Mountain Sage Holdings, LLC, a commercial property management business in Mt. Sterling, Kentucky. Townsend Financial Planning is an SEC-registered, fee-only fiduciary firm that provides financial planning and investment management services to individuals, families, and small businesses. The firm employs a long-term, buy-and-hold investment strategy using diversified, low-cost mutual funds and ETFs, and offers a range of engagement types including trustee services and retirement-plan consulting.

Jeremiah Creech is a financial advisor at Townsend Financial Planning with a Series 65 designation and two years of industry experience. Prior to joining Townsend in 2022, he worked at Citizens Guaranty Bank and Kentucky Auto Parts and Service. Townsend Financial Planning is an SEC-registered, fee-only fiduciary that serves individuals, families, and small-business clients with financial planning and investment management. The firm employs a long-term, buy-and-hold strategy using diversified, low-cost mutual funds and ETFs, and emphasizes client education and outreach through newsletters, seminars, and workshops.

Harrison Bailey is a CFP® and holds a Series 65 license, with six years of experience in financial advising. He has been with Townsend Financial Planning since 2016, following a brief tenure at Springleaf Financial and a period at Morehead State University. Townsend Financial Planning is an SEC-registered, fee-only fiduciary serving individuals, families, and small businesses with financial planning and wealth management services. The firm employs a long-term, buy-and-hold investment approach based on Modern Portfolio Theory, using diversified, low-cost mutual funds and ETFs tailored to client objectives.