Fee Schedule

Fee Schedule

You may view our Fee Schedule below or click here to download the PDF. If you have any trouble viewing the PDF, please click here to download the latest version of Adobe Acrobat Reader.

Initial Consultation – Introduction……………………………FREE

Retirement Outlook Analysis………………………………………$265

A first-class retirement begins with our Retirement Outlook Analysis. It shows our clients the big picture by being completely objective, clear and easy to understand. The analysis encompasses a client’s investments, retirement accounts, estate planning, social security, pensions and insurance. With this information, an advisor creates a year-by-year analysis showing what a client’s current retirement picture will look like if they continue on the same path, and offers recommendations that can help improve their retirement outlook.

Because no two investors are alike, we design financial plans specifically tailored to a client’s lifestyle and goals. Our Five Step Investment Process details our investment strategy. Equally important is the quality of the relationship a client has with an advisor. We devote a great deal of time and energy to getting to know each of our clients personally — from finances to family.

We believe that active portfolio management of a client’s retirement and investment accounts will yield better results. Considering that change is inevitable in life, around the world and in the financial markets, we too adapt to change as it occurs with regard to your investments.

Annual Fee………………………………………$150

As a planning client you will receive:

  • Annual plan update and review
  • Performance reports online
  • Automatic rebalancing and reallocating for Portfolio Advantage and variable annuities
  • Client conferences
  • 401(k) recommendations (if you are still working)
  • Access to our professional team

401(k) Advantage………………………………………$195

(no additional charge for planning clients)

We understand while someone is still working, their 401(k) and other employer pension plans can represent a lion’s share of their wealth. Because most employers offer very limited advice on theirs, we provide affordable advice to help employees with their investment selection in their qualified plan. After all, if we can help our clients before they retire, the transition into full retirement will be so much easier. We’ll provide 401(k) recommendations for planning clients during preretirement years. This service will be provided while the client remains employed and will be discontinued when the client retires.

Townsend Managed Asset Program

Our Management fee is 1.25% or less depending on the size of the account(s). See our T-MAP brochure for benefits and highlights.

Insurance Compensation

We work as brokers and represent the client’s best interest. In essence, should the client want long-term care, life insurance or annuities, we shop the market on their behalf. If the insurance is purchased we receive commissions directly from the insurance company.

Referrals are essential

By passing our name to others, we can more effectively spend our time on all our services instead of prospecting. We are looking for acquaintances that are at or near retirement. To put you at ease, we want to communicate to you that our firm takes a “low-key” approach to developing client relationships.

We welcome the opportunity to work with your referrals and will provide all the necessary follow-up information that is requested, without overselling our services.

  • Our ADV is available upon request

Advisory services are offered through Townsend & Associates Inc., dba Townsend. Financial Advisors of Townsend are registered representatives of and offer securities through Securities America, Inc., Member FINRA/SIPC. Townsend and Securities America, Inc. are not affiliated. Privacy Statement | © 2017 Townsend

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