Heather Townsend (CEPA, CFP®, CPA, RLP)
Heather Townsend focuses in the
following client markets or areas of practice:
- Business Owners
- Entrepreneurs
- Fixed Fee (Subscription, Retainer, etc.)
- High Net Worth Client Needs
- Investment Advice with Ongoing Management
- Retirement Plan Investment Advice
- Business Owners
- Entrepreneurs
- Fixed Fee (Subscription, Retainer, etc.)
- High Net Worth Client Needs
- Investment Advice with Ongoing Management
- Retirement Plan Investment Advice
Planning Specialties
"A love of numbers has been with me since I was a teenager. In high school, my dad actually found an envelope of cash hidden in my room and uncovered that I wasn't spending my allowance (sorry, dad). I was saving it! Along with the money, he found a note where I had calculated exactly how much I needed to save for my dream car, a BMW (admittedly, I still have a thing for cars!)
As I began my career and started to help companies grow their wealth, I noticed all my friends coming to me for financial advice. I become so consumed with helping them accomplish their financial goals that my calling quickly became clear: to see those I care about accomplish their dreams by implementing financial strategies that work. And from there, I launched Townsend Financial.
I’ve recently moved back to sunny Scottsdale, Arizona and I’m so excited to have returned! I'm on a mission to empower women to gain a future life of financial freedom. Ready to kick your finances into gear? Great, let’s get started!"
Heather graduated from Arizona State University, W.P. Carey School of Business, with a BS in Accountancy. She then worked in the San Francisco and NYC offices of a major accounting firm, advising high net-worth individuals and Fortune 500 companies. In London, she served as Financial Director for a top-end property development firm, counseling owners on the best ways to use profits. She is both a Certified Financial Planner™ practitioner and CPA (Certified Public Accountant). Townsend Financial is a member of NAPFA and XY Planning Network.
Additional Information
I founded Townsend Financial because I kept seeing the same problem: financial advisors and CPAs working in silos, leaving opportunity on the table. I wanted to fix that.
My background is unusual for a financial planner. I started my career at Ernst & Young preparing tax returns for high net worth individuals and Fortune 500 companies, then served as Financial Director for a luxury property development firm in London. Throughout my career I kept seeing the same thing: advisors, CPAs, and attorneys all working independently with no one connecting the dots for the client. When I came back to the US, I launched Townsend Financial to change that.
I founded Townsend Financial on a simple belief: everyone deserves a fiduciary. That's why I chose to be independent, fee-only, and fiduciary, so my only loyalty is to you.
I genuinely love what I do. I intentionally keep my practice small to provide exceptional ongoing care to every client. I serve business owners, high net worth individuals, and retirees with net worths between $5M and $30M who want every piece of their financial life working together: investments, tax strategy, estate planning, asset protection, business exit planning, and cash flow planning. Your personal CFO is what my clients call me.
What makes me different is the combination of CFP®, CPA, and CEPA credentials. Most advisors hand you off to your CPA and hope for the best. I speak their language. For clients with complex business returns, I work alongside your CPA as the quarterback. For retirees, I typically prepare their tax return directly, targeting the exact tax bracket and determining distributions accordingly.
I work virtually with clients across the country. If you're looking for an advisor who will get to know you, your goals, and what you want from your money while pushing back when it matters, I'd love to connect.
NAPFA Start Date
February 07, 2018
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