Frequently Asked Questions

What is Financial Planning?

Financial Planning goes beyond investing. It looks at all the aspects in your financial life - expenses, company benefits, retirement savings, debt, salary and income, financial goals, credit cards, insurance to name a few. Financial planning ensures that every area of your financial life is in sync with your financial goals and are maximized to their full potential. Investments are definitely important but it’s only one piece of the pie and if the other items aren't working inline with your investments A LOT of opportunity could be missed.

What is fee-only?

Townsend Financial is only compensated through the fees charged to clients. At Townsend Financial, I do not receive any commissions or sell any products so there are never any conflicts of interest.

What is a fiduciary?

I took an oath to always act in my client's best interests at all times because that is what I believe all clients should receive from their financial advisor.

What is a CFP®?

This stands for CERTIFIED FINANCIAL PLANNER™ and is a professional certification. I had to meet rigorous requirements in education, examination, experience, and ethics to become one.

Who is not a good fit for Townsend Financial?

If you’re trying to beat the market or find the next hot stock. Townsend Financial is about long-term sustainable financial planning, not a quick-fix.

Who is a typical client of Townsend Financial?

Townsend Financial typically works online with women in their 20s-40s across the country who want to make smarter choices with their money.

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