About Us

About Us

Why Townsend?

We Provide Comprehensive Retirement Planning – Our plans are completely objective, clear and easy to understand. Your plan will encompass your assets, debt service, taxes, estate planning, social security, pensions and insurances. Most importantly your plan will focus on your personal goals and objectives.

We are Fiduciaries – Our fee structure is totally transparent, and we freely share it with you. Any potential conflict of interest is disclosed prior to your making any decision. Bottom line: Our fundamental commitment is to you and your financial well-being.

Annual Financial Plan Updates and Reviews – We encourage that you meet with us annually to review and update your plan annually, to help review your retirement status, and to help give you an updated understanding of your retirement outlook.

Quarterly Newsletters – We keep our clients informed of current issues and topics within the financial landscape.

Educational Client Conferences / Classes – Our educational conferences/classes are provided to help educate clients in various areas that pertain to retirement planning.

Regular Contact – We reach out to our clients throughout the year to see if they have questions or concerns. In addition, we remain available and encourage clients to contact us if we can be of service.

Sound Investment Philosophy – While every situation is unique, we believe that a discipline approach to investment management is the key to financial success.

Online Performance Reports – We provide our clients with a consolidated performance report, which will help you understand how you are invested and how your portfolio is performing.

Help With Your 401(k) Allocations – Our “24/7 (401K) Advantage” tool will help guide you throughout your employment by providing custom and up-to-date allocation recommendations.

Income Strategies – Our planning offers many choices designed to pursue predictable income for the duration of your life.
Professional Team – Our All-Star Team is knowledgeable, friendly, professional and passionate about providing our clients with a First Class Retirement Experience.

Honesty and Integrity – We will always be forthright and tell you what you need to hear; although it may not necessarily be what you want to hear.

Financial Plan Process

Townsend is a wealth management firm dedicated to helping our clients achieve their retirement goals through sound financial planning and successful investment management. By having a clearly stated set of values and processes that Townsend employs for each individual, our certified financial advisors are able to put together individualized plans that meet the retirement needs for each client, as no two clients are alike. Whether you are already a client or an individual looking for financial planning guidance as you consider your future, with Townsend you can expect to receive a first-class experience.


Surprising as it may seem, Townsend is not for everyone. In order for us to provide a first-class retirement planning experience, we need to conserve our resources. We specialize in helping our existing clients and those who:

  1. Are looking for help. (If you can “do it yourself,” you don’t need us.)
  2. Are seeking a relationship with an experienced and knowledgeable advisor.
  3. Want a financial roadmap to help them have a richer retirement.
  4. Have investments, including employer-sponsored plans.

If you fit the above criteria and would like to talk with us further about your financial needs, please either call us at 303.452.5986 or toll-free at 1.800.578.9896 for a free consultation, or click here to fill out our online Inquiry Form, and we will contact you as soon as possible to discuss your needs. We look forward to hearing from you and would be happy to answer any questions you have.

Be assured that all information is completely confidential whether you become a client of ours or not.

Just as you would interview us for a long-term relationship, we will evaluate the information you provide to determine how our services “fit” with your needs and objectives. In all fairness to our existing clients, we have established minimum criteria for new clients so we can continue to provide the highest level of service possible for everyone.


What is financial planning? According to the College for Financial Planning, Standards of Professional Conduct, financial planning is “the process of determining whether and how an individual can meet life goals through the proper management of financial resources.

At Townsend we will work with you to identify your short term and long term goals and prioritize them accordingly. Our financial planning process consists of the following steps:

  1. Identify goals and objectives
  2. Gather data
  3. Analyze and develop plan
  4. Present and implement plan
  5. Monitor and update plan

Our financial plans consist of the following subject matters:

  • Cash Flow Analysis: Analyzing a client’s income, expenses, and overall financial position to determine resources available to meet goals
  • Retirement Planning: Determining a client’s ability to maintain a desired lifestyle throughout retirement, how best to save for and fund retirement expenses, and how best to utilize Social Security and other pension benefits.
  • Insurance Planning: Addressing and planning for risks such as financial emergencies, disability, unemployment, medical expenses, or premature death.
  • Investment Planning: Developing investment strategies that will minimize risk while providing sufficient returns needed to meet the client’s goals.
  • Education Planning: Determining the most effective means to save and invest for education expenses.
  • Estate Planning: Analyzing wills, trusts, powers of attorney and other documents to determine if current strategies will effectively transfer the client’s assets to heirs at minimal cost.
  • Employee Benefits Planning: Analyzing a client’s employer-sponsored benefits options to make best use of health insurance, disability insurance, retirement plans, and other employee benefits.
  • Tax Planning: Managing taxes effectively during both pre-retirement and post-retirement years.

Here at Townsend, our financial advisors working in association with our financial planners put together a financial plan specific to the circumstances of the individual. No two plans are alike and are built to address the specific needs of the client. As a planning client of Townsend you will be able to track your progress year by year by updating your plan on an annual basis or as needed depending on your changing circumstances. Our planning process is designed to help you achieve your lifetime goals and aspirations and help you create an actionable roadmap.

To learn more about us or to schedule a complimentary appointment, please either call us at 303.452.5986 or toll-free at 1.800.578.9896 or click here to fill out our online Inquiry Form, and we will contact you as soon as possible.

We look forward to hearing from you and would be happy to answer any questions you have.

Be assured that all information is completely confidential whether you become a client of ours or not.

Please Note: The scope of any retirement planning, financial planning and consulting services to be provided depend upon the terms of the engagement, and the request and needs of the client. Townsend & Associates, Inc. does not serve as an attorney or accountant. Townsend & Associates, Inc. does not prepare estate planning documents or tax returns.

Our Team

*Please Note: Limitations. The achievement of any professional designation, certification, degree, or license, recognition by publications, media, or other organizations, membership in any professional organization, or any amount of prior experience or success, should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Townsend & Associates, Inc. is engaged, or continues to be engaged, to provide investment advisory services.

Community Involvement

As one of Colorado’s financial services firms, Townsend has a commitment to improving and sustaining our local communities. Townsend is proud to support organizations working to strengthen our communities. Through the efforts of our Townsend team volunteers and our contributions, we share our success within the community by giving back to nonprofits like The Salvation Army, A Precious Child and educational institutions such as Front Range Community College. If you are ever interested in volunteering with Townsend, please contact us for upcoming opportunities at Savanna@TownsendRetirement.com.

Bike Build

Along with Wish for Wheels, Townsend clients spent their Friday morning building bikes for 86 second graders in Jeffco in honor of fallen hero, Officer Gordon Beesley, who worked as a resource officer in Jeffco School District.

7Everyday Hero Award

The 7Everyday Hero Award is presented to Coloradans who are making a difference in their community. Congratulations, Jeff Townsend!

 The 7Everyday Hero Award is issued by the Denver 7 News to Coloradans who are making a difference in their community. There were no fees paid for this award and clients were not consulted. The award was presented to Jeff Townsend to acknowledge the charity and generosity of the Townsend Foundation. For more information, please visit https://www.denver7.com/news/7everyday-hero Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. 

Townsend Business Scholarship

For most Front Range Community College students, college is not an assumption, but an aspiration. For many, financial assistance is essential. Yet each year FRCC Foundation must turn down almost 80 percent of the applicants asking for scholarship aid because there is just not enough money.

The fact is, Colorado families are struggling. Laid-off workers are seeking retraining, and few students can afford the exorbitant tuition costs of a four–year institution. Unfortunately the state’s education budget has seen significant reductions, and federal and state financial aid sources are also dividing. More and more individuals are depending on the FRCC Foundation scholarships to attend college.

The FRCC contributors are people who care deeply about the importance of higher education. Support from companies, individuals and the surrounding community makes college education accessible for deserving, driven and capable students. These students display a true commitment to education and a strong desire to better their lives, but lack the financial resources to pursue their dreams of a higher education. Today, since the Foundation’s inception, more than $4 million in scholarships, grants, and program assistance has been awarded to thousands of students as well as faculty and staff members.

The FRCC Foundations scholarship awards are part of a comprehensive program — not just a financial transaction. The scholars of the FRCC are a part of something much larger that extends beyond graduation. This foundation has been named that Scholarship Success Program and is recognized as a “real difference maker” toward helping students go to college, stay in college and graduate. The main goal of the Scholarship Success Program is not simply to ensure that each Scholar earns a degree. The ultimate objective is to be certain that every FRCC Foundation Scholar is positioned to begin a productive career in their community upon graduation.

The Townsend Business Scholarship demonstrates a belief in, and commitment to, the positive impact Front Range Community College is making in the students and our local community. We are honored to be a part of an investment that provides much-needed financial support directly to individual students that need it most.

The Salvation Army

William Booth, the founder of The Salvation Army, was a special type of person, dedicating his life to helping individuals in London who were considered outcasts of society — the homeless, the hungry, the poor and the destitute. Because an army can do more than individuals working independently, these social and spiritual visionaries have joined forces to form an elite group known as the William Booth Society. Jeff Townsend and wife Cayle Townsend became members of the George Scott Railton Circle of the William Booth Society in 2007, one of the most prestigious donor organizations.

It takes a special type of person to give of one’s self to make life better for others. Jeff Townsend is one. He is someone who is always looking for ways to give back to the community and help those in need. Jeff makes it a priority to make sure The Salvation Army is always involved in the company’s big events. Townsend puts on an annual client conference where we ask all clients who attend to bring perishable items for The Salvation Army. Come winter, we pair up with other local businesses, organizing a coat drive. As an industry expert and top financial advisor, Jeff Townsend has received several awards. With these awards, Jeff can receive a plaque or make a donation in his name to the charity of his choice, and Jeff always asks for a donation to be made out to The Salvation Army. Recently, Townsend received an award from The Salvation Army for Doing The Most Good through various contributions.

Like the founder of The Salvation Army, Jeff Townsend sees the potential to change the world by redeeming the lives of the lost. The time, effort and contributions made by Jeff Townsend empower the Army to provide life-changing programs and services in other local communities. Townsend believes that every life changed is a shining victory, a victory that expresses compassion and commitment. As a team, we feel blessed to be given the opportunity to make the difference in the world. On behalf of the Townsend team, Jeff Townsend has inspired us to bring new hope, fresh beliefs and shine the light on those in need. Through Jeff Townsend’s various charitable efforts, we have learned to become an army of salvation. To learn more about The Salvation Army, visit their website.

Wish For Wheels | Beesley Bike Build

Beesley Bike Build 2021

Wish for Wheels is a 501(c)(3) nonprofit organization that gives brand new bicycles and helmets to kids in low income communities. Founded in 2004, their first giveaway made it clear that the bikes bring health and happiness into students’ lives and for that reason this organization is committed to making a difference. The unique model bundles corporate philanthropy, team building, and employee engagements through bike builds, to deliver brand new bikes to kids in the community. They are successful thanks to the generosity of corporate partners and volunteers in the community.

In 2021 Officer Gordon Beesley was ambushed in Arvada for being in law enforcement, wearing the badge, serving and protecting our community. During the service, Pastor Jim Burgen said: “Go home and love your family better. Love your wife. Dance in the living room. Listen to your kids with understanding this time. Bring fresh flowers home. Play music. Drink wine. Laugh more. BUY A KID A BIKE. Find the balance between order and mercy” — it was in that moment that Beesley’s Bike Build was born. Moving forward this annual event will be in honor of Officer Gordon Beelsey.

Townsend will adopt a low income, Title I school every year, leaving behind a “Beesley Station” street sign for the students to remember who is there to encourage and support them in building a daily healthy lifestyle.

Colorado Fallen Hero Foundation

The Colorado Fallen Hero Foundation is a 501(c)(3) non-profit organization made up of Colorado law enforcement officers and civilian personnel who serve in a voluntary capacity.

When a line of duty death occurs, the Colorado Fallen Hero Foundation can assist, support, and provide resources for a host agency in their effort to serve the deceased officer’s family based on their needs and wishes. Their presence allows agency members to participate in honoring their colleague without the pressure of funeral planning, allowing them an appropriate time to grieve. Planning a line of duty death funeral while handling the associated investigation and the routine of the everyday call load can overwhelm any agency. CFHF’s team of professionals integrates with agency personnel to assist with funeral planning to whatever extent the family and the agency desire. Horan & McConaty donates their services and provides a casket or an urn at no charge. Over the course of the last 30 years, H&M has donated their services for nearly 30 public safety officers. Additionally, John Horan provides consultation services to the organization regarding process and ceremony.

In addition to providing line-of-duty death response and memorial planning, the CFHF is proud to provide peer support and mental health resources for agencies that do not have access to such resources. In partnership with Dr. Sara Metz and Code 4 Counseling, they are able to deploy a team of trained public safety peer support professionals anywhere in the state to assist agencies dealing with a line-of-duty death. They understand the impact such a tragedy has on an agency and a community and want to ensure that they are taking care of their fellow officer and family. CFHF’s services are provided at no cost to the agency or the family because of community support.

Here at Townsend we feel honored to support their mission by sponsoring their annual gold tournament and gala. In addition, Townsend puts out Fallen Officer campaigns, matching 100% of all donations made by clients.

Wounded Warrior Project

Wounded Warrior Project® (WWP) serves veterans and service members who incurred a physical or mental injury, illness, or wound, co-incident to their military service on or after September 11, 2001 and their families. On that date, America watched in horror as approximately 3,000 people died including hundreds of firefighters and rescue workers. Many warriors note a sense of duty to volunteer for the military following these tragic events.

Sept. 11 also served as a stimulus for Operations Iraqi Freedom, Enduring Freedom, and New Dawn. Operation Iraqi Freedom refers to military operations in Iraq that began March 19, 2003 and officially ended August 31, 2010. Operation Enduring Freedom refers to combat operations in Afghanistan and other regions in support of the Global War on Terror. Operation New Dawn refers to the conclusion of operations in Iraq beginning September 1, 2010 and ending December 15, 2011.

Townsend Retirement Specialists has become a donor to the Wounded Warrior Project in hopes of making a difference in those who served on the battlefield. If you are interested in learning more or making a contribution to the Wounded Warrior Project, please visit their website.

A Precious Child — Supporting Children in Colorado

The number of children living in poverty has grown faster in Colorado than anywhere else in the nation. The 2010 Kids Count in Colorado report found the number of Colorado children living at or below the federal poverty level has risen 72 percent between 2000 and 2008 and the number of children in Colorado public schools eligible for free or reduced lunch grew by 38 percent in 2007. Ensuring that children are properly clothed and have the necessary supplies to participate in school can have a dramatic effect because it helps children stay in school, promotes learning, and encourages self-esteem.

Townsend Retirement Specialists has been a sponsor of A Precious Child since 2009. To learn more about how you can become involved with A Precious Child, visit their website.

Tunnel to Towers Foundation

At Townsend, we’re devoted to showing up for those who boldly show up for us. Therefore, we have partnered with the Tunnel to Towers Foundation. This organization is committed to ensuring we never forget the events of 9/11 and the sacrifices that were made and continue to be made by our first responders in the line of duty. Through the Fallen First Responder Home Program, Tunnel to Towers aims to pay off the mortgages of fallen law enforcement officers and firefighters killed in the line of duty that leave behind young children. The Foundation’s goal is to ensure stability and security to these families facing sudden, tragic loss.

The Wild Animal Sanctuary

The Wild Animal Sanctuary offers an incredible 10,500+ acres of natural habitats for its rescued animals to enjoy… and is home to more than 600 rehabilitated animals. They have three facilities which represent the largest carnivore sanctuaries in the world, and are designed and built like no others in existence. Everything about their three facilities are designed to ensure the animals’ welfare remains top priority, even with the numerous modern comforts they provide our guests. We believe that The Wild Animal Sanctuary have become true pioneers when it comes to creating large acreage natural habitats for our animals to live in… and have also built the World’s longest elevated footbridge just so visitors can see the animals without putting undue pressure on them like zoos and other ground-based displays do. Learn how our “Mile Into The Wild” walkway has changed the way animals are viewed – and how its 1.5 miles of elevated bridgework provides unwavering protection to hundreds of Lions, Tigers, Bears, Wolves, Leopards and many other rescued large carnivores.

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The Townsend Logo

Why did we choose the eagle to represent Townsend? An eagle symbolizes new beginnings and life changes along with the strength and resilience to endure difficult times, while having the courage to look ahead. An eagle stands for honest and truthful principles while inspiring to reach the highest standards.

— Jeff Townsend, President and Founder

Townsend is one of Colorado’s leading retirement planning and investment management firms. Founded in 1990, we focus primarily on helping those who are 50 years old and beyond who are seeking retirement planning. We are dedicated to the prudent stewardship of our clients’ wealth through our active portfolio management strategy together with the highest level of personalized client service.

The founder and president, Jeffery E. Townsend, has built the company into a comprehensive retirement planning firm providing the service and expertise people deserve.

We are dedicated to helping our clients pursue a first-class retirement. It is our belief that planning well leads to retiring well.


  1. How do we know if Townsend is acting in our best interest?
    You need to know that your financial advisor is always working in your best interests – and only your best interests! Our staff prides themselves on their integrity, in where all services provided are in your financial best interests. In fact, we have a legal obligation to do just that (called a “Fiduciary Duty”). Our fee structure is totally transparent, and we freely share it with you. Any potential conflict of interest is disclosed prior to your making any decision. Bottom line: Our fundamental commitment is to you and your financial well-being.

  2. What should be included in our financial plan?
    Your overall financial picture includes more than just a plan for your financial investments. At Townsend we work hard at guiding you through all aspects of your financial plan – which includes your estate plan, risk management, tax information, Social Security and Medicare along with health insurance during retirement. Our goal is to educate and prepare you for all aspects of your retirement years. Townsend works diligently to have clients understand how all elements of their plan have to be in place in order to help avoid any devastating financial surprises in the future. We have relationships with professionals in all the above disciplines who are eager to direct you through each retirement tangent, helping you to create another rock-solid long-term plan.

  3. Why do we need to invest in securities?
    If you want or need to earn more than what you might make in a bank savings account or CD, you will encounter some level of risk and volatility. You can minimize this risk/volatility by how you are diversified between various asset classes but you can’t eliminate it.

    Before you invest, it’s a good idea to know what you can reasonably expect from the stock market. History (over the past 100 years) tells us that on average, one can expect three 5% declines per year, one 10% decline every two years, and a 20% decline every three and a half years. However, after every decline, the market has recovered 100% of the time and has gone on to reach new highs. It’s also good to know that during the same time period the market is up three out of the four years.

    You will want to know that your financial advisor has the investment acumen to invest your life savings in such a way that allows you to sleep at night. It’s crucial to be patient as an investor. Rather than focusing on the returns over a short period of time, perhaps a year, try to consider the bigger picture such as your returns over an entire market cycle, which could possibly be seven to ten years. As Warren Buffet once said, “The market is an efficient mechanism for transferring wealth from the impatient to the patient”.

    Investing is typically necessary to maintain your lifestyle in retirement and can be a very emotional journey. At Townsend, we help educate you on the hows and whys of investing, and work hard at tailoring an investment portfolio that you can be comfortable with.

  4. Why isn’t Townsend a good fit for everyone?
    You need to know the truth about your financial situation good or bad. At Townsend, we deal in facts and financial reality. And then, within that reality we will help you embark on the financial course needed to meet your long-term financial objectives and retirement goals. Townsend advisors are required to make decisions that put the interests of clients first. This is known as the Fiduciary Rule. In rare cases, we discover a prospective client’s needs or investing temperament really does not fit the Townsend philosophy. If that’s the case, we structure an open conversation and share how our objectives differ. When we see a prospective client wanting something that Townsend simply does not believe in, we have no issues communicating that their needs are better met through a different financial firm.

  5. Why does Townsend use an independent custodian?
    There are some corrupt advisors (remember Bernie Madoff?) that have bogus client account statements that purport to show a client’s current account balance. Clients are unable to independently check the actual status of their accounts in those situations, and must rely solely on the statements provided to them. And in some cases (think Ponzi schemes), the account statements are worthless. These situations can be disastrous for the client later when they find out the accounts they thought held significant value are – in fact – worthless. With Townsend, you can always check your account balances with the reputable custodians who actually hold your money.

Securities offered through Osaic Wealth, Inc. member FINRA/SIPC. Investment advisory services offered through Townsend. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

The BBB has determined this business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. Townsend is accredited in Colorado only. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public. BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Securities licensed in the following states: AK, AL, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KS, KY, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SD, TN, TX, UT, VA, WA, WI, WY

Insurance licensed in the following states: AR, AZ, CA, CO, FL, GA, IA, ID, IL, KS, KY, MI, MN, MO, MS, MT, NC, ND, NE, NM, NV, OH, OK, OR, PA, SD, TN, TX, UT, VA, WA, WI, WY

SEC Registered Investment Advisor

Check the background of this firm on FINRA's BrokerCheck.

Please review Important Disclosure Information set forth in the last section of this website.


North Office Address

2761 West 120th Ave. | Westminster CO | 80234
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South Office Address (No Mail)

2000 South Colorado Blvd. | Tower Two Suite 460 | Denver CO | 80222
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Aspen Address

197 Prospector Road, Suite 2104A | Aspen CO | 81611

Office Hours

Mon-Thu, 8:00 a.m. to 5:00 p.m.
Fri, 8:00 a.m. to 12:00 p.m.



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