Fountainhead Financial, LLC

Fountainhead Financial, LLC is an SEC‑registered investment adviser that works with individuals, high‑net‑worth clients, business entities, and participant‑directed retirement plans. The firm provides non‑discretionary portfolio management, financial planning and consulting services, and retirement plan advisory support.

The firm operates primarily on a non‑discretionary basis—its Form ADV discloses $543 million in non‑discretionary assets under management as of December 31, 2025—which requires prior client consent for transactions and ongoing client involvement in trade approvals. It allocates assets among unaffiliated mutual funds, ETFs, and individual equity and fixed‑income securities, and notes it may, infrequently, employ options and permit borrowing or margin in separately managed accounts with client authorization.

Noteworthy features relative to peers include a relatively small advisory staff managing a large asset base (AUM per advisor above $200 million) and an affiliated insurance activity: a firm principal is a licensed insurance agent who may recommend insurance products on a commission basis, a disclosed conflict of interest. The firm also discloses that it does not vote client proxies and typically recommends a single custodial platform, disclosures that bear on custody, execution, and potential conflicts for prospective clients.