Fountainhead Fiduciary, LLC

Fountainhead Fiduciary is a small, state‑registered advisory firm that works primarily with individual clients, including high‑net‑worth households, as well as businesses and charitable organizations, providing discretionary portfolio management, comprehensive financial planning, estate‑planning support, and the selection and oversight of third‑party money managers. The firm manages approximately $12 million in client assets and generally charges clients on a percentage‑of‑assets basis while offering both discretionary and non‑discretionary engagements.

The firm’s investment approach blends fundamental, quantitative, passive, and fixed‑income strategies, with model portfolios and ESG options available; fund selection emphasizes examining underlying holdings and turnover to identify managers that add value rather than simply track benchmarks. Client risk tolerances and objectives are documented in an investment policy statement and a client questionnaire, accounts are monitored on an ongoing basis, and more formal reviews occur at least quarterly.

Noteworthy distinctions include an affiliation with an insurance agency whose licensed personnel may offer and receive commission compensation for insurance products, a relationship the firm discloses as a potential conflict of interest, as well as affiliated tax‑preparation services and a partnership for estate‑planning support. The firm also maintains institutional relationships with selected custodians (including a digital custodian integration) and requires clients to use those custodians, which influences custody, execution, and the availability of certain research and operational tools.