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A Veteran Owned Wealth Management Company

The Only Financial Planning Firm in the World Created Exclusively for Nuclear Power Plant Professionals

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What Do We Really Do?

We Help Nuclear Power Workers All Over the Country...

-Retire earlier and spend more, resulting in a more enjoyable retirement -

-Build and manage low cost, goal-based, custom portfolios-

-Pay as little taxes as you legally can-

-Choose the best way to fund your family's education costs-

-Ensure your family is protected in the event of the unexpected-

-Reduce your stress by helping develop proper estate plans-

Watch this Video to Find Out How

Let's Make a Plan

Our Story

What happens when a 15 year nuclear professional with a Senior Reactor Operator license follows their passion for helping people with their finances? You get the first and only fee-only, fiduciary wealth management firm created by a nuke worker, exclusively for nuke workers.

Ryan Townsley, CFP® - Financial Adviser & Founder  




  • Currently pursuing Doctorate in Finance

  • MBA in Finance, Towson University 

  • BS in Nuclear Engineering Technology, Thomas Edison University

  • Former Licensed Senior Reactor Operator for 8 years, Radiation Protection for 4 years

  • US Navy Veteran, 2003-2009, Navy Nuclear Program

  • Born & raised in Baltimore, MD. Married to Deanna, a local Realtor since 2004 and has 1 daughter, Sophia. 

I recently joined Michael Kitces on his podcast to discuss my transition from Nuclear Power to the Only Wealth Manager Exclusively Serving the Nuclear Industry

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Where Can You Find Us?

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5 South Hickory Avenue

Bel Air, MD 21014

Evening and Weekend

Appointments Available



(410) 864- 0209

Book a Call or Virtual Meeting

Our Financial Planning Process: 

Data Driven, Fact Based and Historically Tested

Take a Deep Dive into our Planning Process Below

What Does It Mean To PLAN For retirement?

  • Most importantly, we start with goals. What do you want to do? When would you like to stop working? Where do you want to live? This is just scratching the surface on what our discovery process will uncover. No stone left unturned. 

  • After we've determined what you'd like to achieve, next, we evaluate what you are currently doing to achieve it. We'll explore multiple alternatives, and make actionable recommendations on how to improve. Our goal is to make your plan better, whether that is retiring earlier or spending more, it is up to you. 

  • Stress testing your retirement using both historical evaluations and Monte Carlo simulations will help us develop a plan that stands up through good times and bad.

  • Setting the proper expectations on market and economic performance will reduce your stress and allow you to focus on the important things in life. 

Watch this Webinar to Learn More About The Unique Way We Plan for Retirement Income

There Is No Such Thing As A "Standard" Portfolio 

  • Investment portfolios should never be one-size-fits-all. Portfolios should be customized to help you achieve your goals. 

  • We start the process by assessing both your risk tolerance (how much risk you are comfortable with) and your risk capacity (how much risk you should take) to meet your goals. We evaluate your current investments, and make recommended changes to align your portfolio for what you are trying to achieve, within your comfort level. 

  • We will build a low cost portfolio. We do not sell products or receive compensation for our investment choices. We explain every investment choice, as you should always know what you own, and WHY you own it. 

  • Our investment recommendations may include ETFs, Mutual Funds Stocks, Annuities, Alternatives, Private Credit, Commodities, and more. As fiduciaries, our investment choices do not define our pay, so we choose the investments that are best for YOU.

  • As you get closer to retirement, we will implement the "Bucket Strategy," a portfolio design tactic creating withdrawal buckets based on time horizons, allowing optimal rebalancing and income withdraws during down markets.  

  • We have both Active and Passive style portfolios, depending on your investing style. You can learn more about our Active Portfolios here: 

  • Town Capital Active Portfolio Series

Your Fair Share (No More)

  • You control more of your tax destiny than you think

  • Traditional, Roth, or a mix of both? What's the science behind Roth Conversions? Deciding the optimal balance is a complicated math problem that depends greatly on your future goals.

  • Required minimum distributions can be crippling, and the insane withdrawal requirements can drive you into unwanted tax brackets. Smart Roth conversions early in your life can save you multiple 5 and 6 figure amounts over the course of a lifetime. 

  • Have a tax question throughout the year? We keep a tax firm on retainer to help guide our clients through the unknown.  

Watch this Webinar to Learn More About Saving Six Figures in Taxes

Let's Make Sure You're Covered

  • No one likes to think about things like disability or untimely death, but they do happen.

  • We don't sell insurance, so we have nothing to gain from our evaluation. We give you an honest assessment of what your family would need, along with recommendations, and let you decide what is best. 

  • Our insurance strategies are often tapered, reducing your insurance coverage as you grow older (and grow wealth), ultimately saving you money.

  • We'll also assess your liability insurance and other employer offered benefits to ensure you are taking advantage of your benefits.

  • Long term care education and assessments show our clients what would happen to their wealth if the family was impacted by an expensive health situation. We'll show you ways to protect your nest egg from an undesired situation. 


We Know Education Is Important...And Expensive 

  • Student loans can be exhausting and stressful. We will help you develop a plan to lighten the burden on your finances caused by these liabilities. 

  • If you want to help a loved-one save for their education, we can develop a plan based on your goals, and help you invest in proper tax-advantaged methods for their education. 

  • The logistics of paying for college (FAFSA, loans, grants, etc) can be intimidating. Let us guide you through the process to ensure you are not missing opportunities.

Someone Will Decide Your Estate's Fate.

We Want It To Be YOU. 

  • Ask anyone who has been through the probate process, or even worse, the process of dealing with a loss of someone with no will, and they will be the biggest advocate of a proper estate plan. 

  • Most estate planning happens outside of a will, with the proper titling and beneficiary naming on accounts. 

  • Wills still go through probate. A trust may be a better choice. Trusts are not just for the super rich, just the super smart. 

  • Medical directives and financial power of attorneys could take immense pressure pressure and uncertainty off your loved ones. 

  • Would you like to leave a legacy, control how assets are distributed at your passing, or donate some of your wealth to charity? Your estate plan can ensure your wishes are carried out...as YOU wish.