Melody W. Townsend, CFP®, is the founder and CEO of Townsend Financial Planning, a Kentucky-based fee-only firm guiding individuals and families to build peace and purpose through smart financial decisions. With a heart for service and a sharp strategic mind, Melody brings a deep relational approach to wealth management, combining professional excellence with values-based planning.

Since opening her firm in 2006, Melody has grown Townsend Financial Planning into a thriving ensemble team managing over $125 million in assets. The firm was named 2024 Small Business of the Year by the local Chamber of Commerce and is widely recognized for its deeply personalized client experience and bold, faith-centered vision for growth. Melody was also honored as one of the notable women in financial planning as NAPFA’s “Women to Know” in 2024 for her leadership in the profession.

Her expertise has been featured in USA Today, The Wall Street Journal, Financial Advisor Magazine, and a recent CBS19 News article titled “Gen X is Turning 60. Their Retirement Anxiety is Growing.” She was also a guest on Michael Kitces’ Financial Advisor Success Podcast (Episode 372), hosted by one of the most respected thought leaders in the planning industry, where she shared the behind-the-scenes story of building a successful, values-driven advisory firm.

Rooted in faith, family, and service, Melody leads with authenticity and purpose—partnering with clients to align their money with what matters most and cultivating a firm culture where both people and possibilities thrive.