How We Work
Our Approach
Most families end up with three separate conversations — one with a financial advisor, one with a CPA, one with an estate attorney. We built our planning process to sit at the intersection of finance, tax, and estate instead.
Structurally independent
Three regulated entities. No proprietary products.
We operate through three separately regulated entities. Fountainhead Fiduciary, LLC is a state-registered investment adviser and handles advisory services. Emerson Equity LLC, member FINRA/SIPC, handles securities and private placements. Fountainhead Insurance Agency, LLC handles insurance products. We carry no proprietary products of our own, and we are not beholden to any one company's shelf. That structure is what lets the four capabilities below work together rather than compete for the same recommendation.
The four pillars
Start wherever your question is right now
In-House Portfolio Management
We build and manage portfolios in-house, at the position level. You can see exactly what you own, and the person explaining a given holding is the same person who chose it.
Private & Alternative Investments
For investors who meet applicable accreditation and suitability requirements, we provide access to private real estate, 1031 exchanges, opportunity zones, private credit, energy, and land.
Tax-Forward Planning
We plan around your actual tax return and estate documents, not a generic template. We coordinate directly with your own CPA and attorney rather than replacing them.
Protected Income Strategies
We shop insured and protected income strategies, including annuities, across the independent market. Guarantees are backed by the claims-paying ability of the issuing carrier.
Not sure where to start?
A conversation costs nothing and commits you to nothing. Tell us what's on your mind, and we'll help you figure out which of these matters most for your situation.