FOUNTAIN WEALTH PARTNERS • BUSINESS OWNER WEALTH • FEE-ONLY FIDUCIARY
Fee-only business owner wealth management in Alpharetta: protect your enterprise value and build lasting family wealth
Your business is often your greatest wealth creator, but managing it shouldn't leave your personal retirement plan in second place. Fountain Wealth Partners delivers structured, tax-aware wealth coordination for established business owners across Alpharetta, Milton, and Johns Creek. From paired Cash Balance retirement plans to pre-sale tax modeling, we connect every piece of your financial architecture under a single fiduciary standard, giving you total clarity across your corporate and family assets.
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 • No sales slide decks • Written balance sheet and tax summary to keep • In-person at 12600 Deerfield Parkway, Suite 100, Alpharetta, GA 30004 or via secure video
Why coordinating enterprise value and personal wealth supports business owners
Growing a successful business requires reinvesting capital, often creating an imbalance between company equity and personal liquidity. True wealth coordination connects your business cash flow, corporate retirement plans, pre-liquidity tax modeling, and legal documents under a single fiduciary standard, establishing an independent investment portfolio that supports your family's lifestyle across all economic environments.
Managing a privately held company in the North Fulton business corridor involves distinct considerations that standard personal financial planning cannot address alone. Many established business owners in Alpharetta, Milton, and Johns Creek work with dedicated professionals who perform excellent work within their individual disciplines: a CPA focused on corporate tax filings, an attorney drafting commercial agreements, and an investment manager overseeing liquid portfolios.
When evaluating how these separate elements interact, enterprise owners frequently focus on three core coordination opportunities:
Fountain Wealth Partners provides an integrated fiduciary alternative. As a 100% fee-only firm, we sell no proprietary products, accept zero commissions or referral kickbacks, and coordinate directly with your CPA and attorneys to keep your corporate and personal strategies aligned.
Specialized business owner wealth pathways
Our practice areas provide structured, tax-aware wealth coordination across every stage of business growth, ongoing operations, and eventual exit:
Business succession and exit planning
Structure pre-liquidity roadmaps, buy-sell agreement reviews, and enterprise transitions that preserve enterprise value and minimize transaction taxes.
- Coordinate with your M&A legal team and CPA to evaluate asset or stock sale structures and model net after-tax proceeds.
- Structure pre-sale gifting strategies and irrevocable trusts to transfer enterprise value tax-efficiently before valuation spikes.
- Establish clear internal succession or third-party transition roadmaps to ensure business continuity and personal financial independence.
- Learn more about our business succession and exit planning services.
Qualified retirement plans and cash balance defined benefit structures
Implement advanced corporate retirement plan architectures designed to maximize owner tax deductions while optimizing employee benefits.
- Design and oversee paired Safe Harbor 401(k) and Cash Balance Defined Benefit plans, enabling high-bracket business owners to defer significant pre-tax income annually based on owner age, entity structure, and statutory limits.
- Coordinate corporate contribution schedules directly with your CPA before fiscal year-end to lower corporate taxable income immediately.
- Select institutional, low-cost index investment lineups with zero proprietary fund requirements or retail wrap fees.
- Review our integrated corporate retirement and financial planning process.
Executive equity compensation and leadership retention
Design customized retention frameworks and equity diversification strategies for founders and enterprise leadership.
- Structure phantom stock, profits interests, and deferred compensation plans to retain senior leadership in competitive North Fulton corridors.
- Build multi-year staged diversification and Rule 10b5-1 trading plans for concentrated corporate stock and executive equity holdings.
- Integrate executive distributions with personal multi-year cash flow projections and forward-looking tax brackets.
- Explore our specialized executive equity and options planning practice.
Our three-step business owner wealth methodology
We combine evidence-based financial science, proactive tax modeling, and cross-professional quarterbacking into a disciplined advisory methodology:
Audit corporate and personal balance sheets: We perform a comprehensive inventory of operating assets, commercial real estate, corporate debt guarantees, and personal portfolios to establish clear liquidity firewalls and protect family lifestyle from enterprise risk.
Model pre-sale tax and corporate retirement deferrals: We project multi-year tax liabilities under corporate and personal brackets, identifying opportunities for Cash Balance plan contributions, Georgia state tax credits, and pre-liquidity trust structuring.
Synchronize buy-sell funding and pre-sale tax trusts. We verify that partnership buy-sell agreements are properly funded without commissioned insurance products while aligning corporate equity ownership with pre-sale tax mitigation trusts.
Mandatory Portfolio Risk Disclosure
Investing involves risk, including the potential loss of principal. Asset allocation, diversification, and business financial 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 design custom business owner wealth management strategies for privately held enterprise founders, pre-exit owners, and executive leaders throughout Alpharetta, Milton, Johns Creek, and Roswell:
- Establishing personal wealth accumulation independent of operating company risk.
- Implementing high-contribution Cash Balance Defined Benefit plans for immediate pre-tax deductions.
- Restructuring corporate balance sheets for sustained, tax-efficient owner distributions.
- Modeling pre-sale tax mitigation and net deal proceeds.
- Coordinating with M&A attorneys and investment bankers prior to LOI execution.
- Structuring post-exit portfolios designed for long-term capital preservation.
- Managing complex corporate equity (RSUs, ISOs, executive stock options).
- Designing structured diversification schedules for concentrated stock.
- Integrating executive compensation with comprehensive tax and estate planning.
Why work with a fee-only fiduciary advisor in Alpharetta
As a 100% fee-only fiduciary Registered Investment Advisor (RIA), we are legally and ethically bound to put your family and business interests first in every recommendation we provide.
See how our fee-only fiduciary model protects your capital. Explore
The Fee-Only Difference, learn about
Our Approach to Wealth, or review our transparent
Fee Schedule.
Fountain Wealth Partners
Fountain Wealth Partners
Strict fiduciary standard:
Legally bound under the Investment Advisers Act of 1940 and CFP Board Standards to act in your best interest across all advisory services at all times.Fountain Wealth Partners
100% fee-only:
Transparent advisory fee based on managed assets or clear planning scope. Zero commissions, sales loads, 12b-1 fees, or referral kickbacks.Fountain Wealth Partners
Unified advisory:
Direct, proactive collaboration with your corporate CPA, M&A attorney, and commercial bankers to synchronize your strategies without turf wars.Fountain Wealth Partners
Open architecture:
Independent selection of institutional, low-cost index funds and ETFs with no proprietary sales quotas or revenue-sharing.Fountain Wealth Partners
Direct partner access:
Work directly with David Fountain, CFP® professional, backed by 30 years of local firm heritage serving North Fulton since 1996.David Fountain, CFP® — Founder & Lead Advisor
LET'S TALK
Request a confidential review of your business and personal wealth strategy
We provide a focused diagnostic of your business owner retirement architecture, pre-liquidity tax exposure, and personal investment allocation with zero cost or obligation.
What we cover in your 20-minute assessment (Zero preparation required):
Balance sheet firewall audit: Identify overlap between corporate debts, operating assets, and personal family wealth.
Pre-tax retirement deduction check: Evaluate whether a paired Safe Harbor 401(k) and Cash Balance plan can lower your current corporate tax bill.
Exit horizon review: Clarify pre-LOI tax mitigation steps if an enterprise sale or recapitalization is 1 to 5 years away.
Direct conversation with David Fountain, CFP® professional • In-person in Alpharetta or via secure video • No sales slide decks • Written executive summary to keep • 100% confidential • (770) 650-9392
What our clients say
Verified client experiences reflect our commitment to fiduciary transparency, proactive legacy protection, and generational peace of mind.
Read verified
Client Stories & Reviews to see how our fiduciary approach helps business owners and families across North Fulton.
TESTIMONIALS HERE
SEC Rule 206(4)-1 Disclosure: Testimonial provided by a current client who has not received cash or non-cash compensation, directly or indirectly, for this statement. Testimonials may not be representative of the experience of other clients and provide no guarantee of future investment performance or exit planning success. Working with Fountain Wealth Partners does not ensure a specific level of portfolio return or business outcome.
Our straightforward three-step advisory roadmap
Our onboarding process delivers a complete, written financial and tax roadmap before you make any commitment to work together.
Learn how our
Financial Planning Process builds, manages, and protects your wealth:
Clarify your enterprise and personal goals in a 20-minute discovery call: an introductory conversation to review your corporate balance sheet structure, discuss your timeline, and confirm mutual fit. No documents required.
Review your written business and personal wealth roadmap: We examine your corporate filings, retirement plan design, and personal tax returns, delivering a clear written executive summary of identified tax deductions, exit planning gaps, and fee transparency—yours to keep with no obligation.
Implement your plan with direct partner oversight: When you partner with us, we transfer personal and entity accounts in-kind via ACATS to avoid triggering capital gains taxes, coordinate directly with your corporate CPA and M&A counsel, and conduct regular strategic balance sheet reviews.
Frequently asked questions about business owner wealth management
Direct answers to common questions regarding business owner wealth management in Alpharetta, retirement plans, exit coordination, and fiduciary standards.
How does wealth management for business owners differ from personal financial planning?
Business owner wealth management integrates corporate balance sheet decisions directly with personal wealth goals. Privately held business owners face concentrated equity considerations, complex corporate tax structures, and business succession opportunities that standard personal planning cannot address alone. We coordinate paired Cash Balance retirement plans, pre-liquidity tax modeling, and buy-sell agreement reviews directly with your corporate CPA and legal counsel.
How do Cash Balance Defined Benefit plans help business owners reduce current taxes?
Cash Balance Defined Benefit plans allow high-income business owners to defer substantial pre-tax income above standard 401(k) limits. When paired with a Safe Harbor 401(k), qualifying owners can defer $150,000 to $300,000+ annually depending on age, compensation, and entity structure, significantly lowering current corporate and personal taxable income regardless of whether a business sale is imminent.
When should a business owner begin planning for an exit or liquidity event?
Comprehensive pre-liquidity planning should begin two to five years prior to an anticipated transaction. Early planning allows business owners to optimize corporate entity structures, implement Qualified Small Business Stock (QSBS) strategies, establish pre-sale gifting trusts (such as SLATs), and clean up balance sheets to maximize enterprise valuation and minimize tax liability before signing a letter of intent.
Will you collaborate directly with my corporate CPA and M&A attorney?
Yes. Direct, proactive collaboration is central to how we work. We communicate directly with your external CPA and legal counsel regarding the allocation of planning responsibilities, sharing annual tax summaries, Cash Balance contribution schedules, and realized gain/loss reports while respecting the independent professional scope of your tax and legal advisors.
What is your advisory fee schedule for business owners?
We operate on a transparent, tiered fee-only schedule calculated as an annual percentage of assets under management (AUM) or through a defined comprehensive planning engagement. Our advisory fee percentage decreases as your total household assets with the firm increase—scaling below 1.00% for seven-figure portfolios—ensuring unconflicted advice with zero product commissions, sales loads, or platform markups.
How are my personal and business investment assets protected?
Fountain Wealth Partners never takes direct custody of your funds. All client accounts are held in your name at leading, independent, SIPC-insured institutional custodians. You maintain 24/7 direct online access to your accounts and receive independent monthly statements directly from the custodian.
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
Align your enterprise success with an independent fiduciary wealth strategy
Discover how integrated business owner wealth management, high-deduction retirement plan design, and fee-only fiduciary stewardship can protect and compound your balance sheet.
Direct partner access with David Fountain, CFP® professional • In-person at 12600 Deerfield Parkway, Suite 100, Alpharetta, GA 30004 or via secure video • (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. Fountain Wealth Partners provides investment advisory and financial planning services. Clients should consult their qualified tax professional and legal counsel regarding specific corporate, tax, and estate situations. View our Form ADV & CRS Disclosures, Privacy Policy, and 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.
