FOUNTAIN WEALTH PARTNERS • FINANCIAL PLANNING • FEE-ONLY FIDUCIARY
Retirement income planning in Alpharetta, GA: turn your wealth into predictable, tax-smart cash flow
We build custom decumulation and distribution roadmaps for North Fulton families, corporate executives, and business owners managing $1M to $10M+. We eliminate the coordination gaps between your CPA, estate attorney, and portfolio—with zero commissions and complete fee transparency.
Why software alone falls short: How automated algorithms fail during critical life transitions, tax adjustments, and market volatility.
The four pillars of human wealth management: How direct access to a dedicated senior advisor, 100% fee-only fiduciary independence, comprehensive wealth coordination, and long-term continuity protect your legacy.
What you can expect as a client: The exact written deliverables, fee transparency, and local face-to-face access you gain by partnering with an independent CFP® lead advisor.
Why software alone falls short: How automated algorithms fail during critical life transitions, tax adjustments, and market volatility.
The four pillars of human wealth management: How direct access to a dedicated senior advisor, 100% fee-only fiduciary independence, comprehensive wealth coordination, and long-term continuity protect your legacy.
What you can expect as a client: The exact written deliverables, fee transparency, and local face-to-face access you gain by partnering with an independent CFP® lead advisor.
Direct partner access with David Fountain, CFP® professional • 100% fee-only fiduciary • Serving North Fulton since 1996 • In-person in Alpharetta or via secure video • 12600 Deerfield Parkway, Suite 100, Alpharetta, GA 30004
Moving from accumulation to distribution requires a new strategy
Managing a multi-million-dollar portfolio during your career centers on growing assets. Transitioning into retirement requires a different discipline: decumulation. Off-the-shelf financial plans rarely handle the friction points that affect high-net-worth households across Alpharetta, Milton, and Johns Creek:
Fountain Wealth Partners provides an integrated fiduciary alternative. As a 100% fee-only firm, we sell no proprietary products, accept zero commissions, and work directly with your CPA so you keep more of what you earn.
Specialized retirement income planning pathways
Our dedicated practice disciplines focus entirely on the mechanics of sustainable portfolio decumulation and tax mitigation:
Multi-bucket decumulation sequencing: We coordinate annual distributions across taxable brokerage, tax-deferred IRAs, and tax-free Roth accounts. This structured withdrawal order prevents bracket spikes and reduces lifetime tax liability.
Dedicated volatility buffers: We establish 2 to 3 years of living expenses in cash equivalents and short-duration fixed income. This dedicated reserve funds your lifestyle during market downturns so equities have time to recover without forced liquidations.
Dynamic spending guardrails: We implement adaptive withdrawal rules rather than static percentage formulas. When markets rise, guardrails allow for lifestyle increases; during severe downturns, small temporary adjustments protect your principal.
Healthcare and Medicare IRMAA bracket management: We model multi-year modified adjusted gross income (MAGI) thresholds to prevent surprise surcharges on Medicare Part B and Part D premiums, coordinating annual distributions around strict statutory tiers.
Our tactical Social Security optimization framework
We integrate financial science and proactive tax management into a practical distribution roadmap:
Stress-test cash flow and longevity. We test your income needs against past market downturns, inflation spikes, and healthcare costs using dynamic guardrails.
Execute tax-bracket arbitrage. We evaluate your tax situation across multiple years to harvest gains, complete Roth conversions, and take withdrawals before Required Minimum Distributions (RMDs) take effect.
Synchronize with outside professionals. We work directly with your CPA and estate attorney to align withdrawal targets, quarterly estimated tax payments, and trust terms.
Mandatory Portfolio Risk Disclosure
Investing involves risk, including the potential loss of principal. Asset allocation, diversification, and retirement income planning strategies do not guarantee a profit or protect against loss in declining markets. Past performance does not guarantee future results.
Who we serve across North Fulton
We build custom retirement income strategies for established clients throughout Alpharetta, Milton, Johns Creek, and Roswell:
Setting up reliable monthly distributions; coordinating Social Security and pension timing; eliminating layered brokerage fees; protecting principal for family heirs.
Structuring tax-efficient cash flow around equity vestings; timing deferred compensation payouts; managing Georgia state tax credits and Alternative Minimum Tax (AMT) exposure.
Structuring cash flow after a business sale; taking equity out of a company tax-efficiently; turning retirement plans into personal income.
Why choose Fountain Wealth Partners: the fiduciary standard
As a 100% fee-only fiduciary Registered Investment Advisor (RIA), we are legally bound to put your interests first across every recommendation. Read about
the fee-only difference or review our transparent
fee schedule.
Fountain Wealth Partners
Fountain Wealth Partners
Strict fiduciary standard:
Legally required to act in your best interest across all accounts at all times.Fountain Wealth Partners
100% fee-only:
Transparent advisory fees based on assets or project scope. Zero commissions, sales loads, or 12b-1 fees.Fountain Wealth Partners
Open architecture:
Independent selection of low-cost index funds and ETFs with no sales targets.Fountain Wealth Partners
Unified advisory:
Direct communication with your CPA to harvest losses and manage withdrawal tax brackets.Fountain Wealth Partners
Direct senior partner access:
Work directly with David Fountain, CFP® professional, backed by local firm history since 1996.David Fountain, CFP® — Founder & Lead Advisor
LET'S TALK
Looking for a clear review of your retirement income plan?
We provide a confidential diagnostic of your current portfolio withdrawal strategy, tax exposure, fee structure, and cash flow sustainability at zero cost or obligation.
Direct conversation with David Fountain, CFP® professional • In-person in Alpharetta or via secure video • Zero sales slide decks • 100% Confidential
What our clients say
Client experiences highlight our focus on fiduciary transparency, proactive tax savings, and dependable planning. Read verified
client stories and reviews to see how our fiduciary model helps families across North Fulton.
TESTIMONIALS HERE
SEC Rule 206(4)-1 Disclosure: Testimonials presented are provided by current clients who have not received cash or non-cash compensation, directly or indirectly, for their statements. Testimonials may not be representative of the experience of other clients and provide no guarantee of future investment performance or financial planning success. Working with Fountain Wealth Partners does not ensure a specific level of portfolio return or outcome.
Our straightforward 3-step onboarding roadmap
Our onboarding process delivers a written retirement income plan before you decide to work with us. Learn more about our
financial planning process:
Clarify your priorities in a 20-minute discovery call. We review your balance sheet, evaluate current spending needs, and make sure we are a good mutual fit.
Review your written retirement and tax roadmap. We analyze your withdrawal order, show you tax savings opportunities, and break down all advisory fees—with no obligation to hire us.
Implement your plan with ongoing fiduciary care. If you partner with us, we transfer your accounts in-kind via ACATS to prevent taxable capital gains, coordinate with your CPA, and set up your monthly retirement cash flow.
Questions high-net-worth families ask us about retirement income
How does retirement income planning in Alpharetta differ from standard wealth management?
Standard wealth management focuses on accumulating assets during your working years. Retirement income planning focuses on decumulation: setting up dynamic withdrawal schedules, preserving capital through market pullbacks, keeping your income under Medicare IRMAA limits, and harvesting cash efficiently across different account types.
How does your advisory fee structure work?
We charge a tiered fee-only percentage based on assets under management (AUM) or work through a flat-fee comprehensive planning agreement. Our fee percentage drops as your household assets grow—scaling below 1.00% for seven-figure portfolios.
Where are my retirement assets held?
Fountain Wealth Partners never holds custody of your money. Your accounts stay in your name at leading, independent, SIPC-insured institutional custodians. You keep 24/7 direct online access and receive independent monthly statements from the custodian.
When should I start planning my retirement distribution strategy?
We recommend setting up your decumulation strategy 3 to 5 years before you plan to retire. That gives us time to build cash reserves, schedule multi-year Roth conversions before RMDs begin, and plan for healthcare transition costs.
How do you coordinate with my CPA on annual withdrawals?
We communicate directly with your CPA during the year to provide realized capital gain and loss reports, schedule estimated tax payments, and plan distributions before year-end deadlines.
FEES & TRANSPARENCY
Transparent, flat-fee pricing. No surprises
We believe you should know exactly what you are paying for and what you are getting in return. We operate under a transparent, flat fee-only pricing model.
Zero Commissions: We never profit from product sales or transactions
Zero Hidden Costs: No referral fees, third-party incentives, or asset-under-management markups
Complete Alignment: Our flat-fee structure ensures our incentives are completely aligned with your long-term financial security
Secure your retirement cash flow with an integrated fiduciary plan
Learn how comprehensive decumulation planning, proactive tax coordination, and fee-only stewardship protect your family's balance sheet.
Direct Advisor Access • In-Person in Alpharetta or via Secure Video • 12600 Deerfield Parkway, Suite 100, Alpharetta, GA 30004 • (770) 650-9392
Regulatory & Trademark Disclosures
Advisory services offered through Financial Consultants Group, Inc., an SEC Registered Investment Advisor. Fountain Wealth Partners is a marketing name for advisory services. Advisory services are only offered to clients or prospective clients where Fountain Wealth Partners and its representatives are properly licensed or exempt from licensure.
View our Form ADV & CRS Disclosures,
Privacy Policy,
Terms of Service
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
