Protected Income Strategies

For clients near or in retirement, a portion of a plan often calls for income that does not depend on market performance. Insured and protected income strategies, commonly structured as annuities, are one way to address that need. They work alongside a managed portfolio and private investments as one of three ways client assets can be positioned, giving clients a plan built from more than one source.

We have no proprietary products of our own, and we are not beholden to any single carrier's shelf. When protected income strategies are part of a plan, we shop the independent market on a client's behalf, comparing structures and terms across carriers rather than defaulting to one company's offering. That independence means the recommendation starts with what fits the client's plan, not what a single carrier is promoting.

These strategies are offered through Fountainhead Insurance Agency LLC. It is important to understand what stands behind them: any guarantee associated with an insured or protected income product is backed solely by the claims-paying ability of the issuing insurance carrier. It is not backed by Fountainhead Wealth Advisors, Fountainhead Insurance Agency LLC, or any other affiliated entity. This distinction matters, and we walk through it plainly with every client considering this type of strategy.

Protected income strategies are not a stand-alone answer. They sit alongside managed portfolios in the public markets and access to private investments as part of an integrated plan, positioned according to what a client's specific situation calls for.