TAX-AWARE WEALTH PLANNING · ALPHARETTA, GA
What You Earn Matters. What You Keep Matters Too.
For families with substantial wealth, taxes can be one of the largest ongoing drags on your financial growth. We combine disciplined investment management with proactive, year-round tax planning—working alongside your CPA so every decision is evaluated within your complete financial picture.
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.
Advisory services offered through Financial Consultants Group, Inc., an SEC-registered investment adviser. Investing involves risk, including the potential loss of principal.
Your Tax Return Tells You What Happened. Tax-Aware Planning Asks What Might Happen Next.
Preparing an accurate tax return is important. But by the time your return is filed, the decisions that created your tax bill have already happened.
Tax-aware wealth planning looks ahead:
- Should income be recognized this year or deferred to next year?
- Could a Roth conversion make sense during a lower-income period?
- Which accounts should provide your retirement income to keep taxes low?
- Could an investment change trigger an unnecessary capital gain?
- How will taxes change for a surviving spouse down the road?
Our role is to identify tax opportunities and consequences before major decisions are made, coordinating directly with your CPA.
Core Disciplines of Tax-Aware Investing
(Built on 30 years of fiduciary guidance across North Georgia.)
Putting the right investments in the right accounts
Different types of investments are taxed differently. We strategically place your holdings across taxable brokerage, Traditional IRA/401(k), and Roth accounts to minimize tax drag across your entire portfolio.
- Tax-deferred accounts (Traditional IRA / 401k): Ideal for income-generating bonds, REITs, and higher-yielding assets to shelter regular distributions from annual income tax.
- Taxable brokerage accounts: Ideal for low-turnover, globally diversified index funds, ETFs, and municipal bonds that benefit from lower long-term capital gains rates.
- Tax-free accounts (Roth IRA): Ideal for high-growth investments so their lifetime growth can be withdrawn tax-free in retirement.
Year-round tax-loss harvesting
Rather than waiting until late December, we monitor your taxable accounts throughout the year. When market dips create an unrealized loss in a specific tax lot, we capture that loss to offset realized gains and up to $3,000 of ordinary income—reinvesting immediately to keep your portfolio fully invested.
Managing cost basis and legacy holdings
When you come to us with appreciated company stock or legacy investments, we don't believe in selling everything on day one. We evaluate specific tax lots (using highest-in, first-out accounting) and build a gradual, tax-managed transition plan that respects what you've built.
Connecting Investments, Retirement, and Family Legacy
Taxes shouldn't dictate every financial choice, but they should never be an afterthought. We look across the major areas of your balance sheet:
Retirement Income
Creating a withdrawal roadmap across taxable, tax-deferred, and Roth accounts.
Roth Conversions
Evaluating whether recognizing income today creates greater tax flexibility in retirement.
Charitable Giving
Using appreciated stock or donor-advised funds to support causes you care about while reducing capital gains.
Business Transitions
Helping business owners structure post-sale wealth with tax efficiency in mind.
Estate Coordination
Planning lifetime family gifts and trust strategies that protect wealth for the next generation.
Your Wealth Advisor and CPA Should Work from the Same Financial Picture
Fountain Wealth Partners does not prepare tax returns or give formal accounting advice. We view that distinction as an opportunity for close teamwork.
With your permission, we collaborate with your CPA throughout the year to:
- Share realized capital gain and loss schedules before year-end.
- Provide clean 1099 and cost-basis reporting.
- Coordinate around Roth conversions and retirement distribution timing.
- Align major portfolio changes with your overall tax bracket.
You stay at the center of every conversation, supported by advisors who communicate with one another.
Advice Centered on Your Net After-Tax Wealth
As a pure fee-only fiduciary, we're paid directly by you. We don't sell proprietary products, accept trading commissions, or receive third-party referral fees.
Your assets remain securely held in your name at independent custodians, including Charles Schwab and Axos.
Transition your accounts smoothly without forced liquidations or unnecessary tax bills.
Certified guidance leading every planning strategy.
The Structured Fiduciary Methodology: 3-Step Tax-Optimization Process
Bringing the pieces together: We systematically evaluate your portfolio's after-tax efficiency, rebalance across tax silos, and synchronize reporting with your tax professional.
Tax drag diagnostic & account siting audit: We analyze the underlying tax efficiency of every holding across all household accounts, identifying misplaced income assets, high-turnover mutual funds, and embedded unrealized gains.
Systematic asset location structuring: We realign your global asset allocation across taxable, tax-deferred, and Roth accounts—minimizing annual income generation in taxable accounts while maximizing long-term tax deferral.
Continuous monitoring & synchronized CPA reporting: Acting as your fiduciary quarterback, we continuously execute lot-by-lot tax-loss harvesting throughout the calendar year and deliver comprehensive realized gain/loss schedules directly to your CPA ahead of tax filing.
Mandatory Portfolio Risk Disclosure
Investing in securities involves risk, including the potential loss of principal capital. Asset allocation and tax-efficient investing strategies do not guarantee a profit or protect against loss in declining markets. Fountain Wealth Partners does not provide legal or formal accounting services; all tax strategies should be coordinated with your personal CPA or tax professional.
Who we serve across North Fulton
Making wealth meaningful: We provide tax-efficient investing for high-net-worth families, corporate executives, and business owners managing $1M to $10M+ in taxable and retirement wealth across Alpharetta, Milton, and Johns Creek.
Eliminating bracket creep caused by dividend and interest distributions, managing heavy taxable salaries alongside substantial non-qualified brokerage accounts, and offsetting capital gains from vested equity compensation with structured loss harvesting.
Restructuring misplaced fixed-income assets to avoid high Georgia and federal income taxes, and building multi-year withdrawal strategies that draw from taxable, tax-deferred, and tax-free accounts with minimal tax friction.
Structuring sudden post-sale liquidity into tax-efficient multi-account architectures, managing large cash balances without generating excessive ordinary income drag, and coordinating investment management with business entity tax strategies.
David Fountain, CFP® — Founder & Lead Advisor
LET'S TALK
Let's Talk about Your Tax-Aware Wealth Plan
Partner with an experienced, fee-only advisory team dedicated to securing your lifestyle and preserving your legacy.
Direct phone:
(770) 650-9392
A complimentary 15-minute introductory conversation.
What our clients say & our 3-step onboarding roadmap
Client experiences & transition framework: Verified experiences reflecting our three-decade commitment to proactive tax efficiency, fiduciary transparency, and generational peace of mind. Explore verified
client stories and reviews.
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 success. Working with Fountain Wealth Partners does not ensure a specific level of portfolio return.
Our Straightforward 3-step Advisory Roadmap
Discover how we transition accounts tax-efficiently through
our complete onboarding process.
Evaluate your holdings in a 20-minute discovery call: We conduct a confidential review of your taxable brokerage accounts, evaluating current asset location, unrealized capital gains, and historic tax drag.
Review your custom tax-location & harvesting roadmap: We present a detailed strategy outlining recommended asset-location adjustments, an estimated tax-loss harvesting bank, and specific lot identification protocols.
Execute in-kind ACATS account transitions: We transition your existing accounts in-kind via ACATS without selling your assets at your previous custodian, systematically unwinding inefficient positions over time to manage tax liability.
Frequently asked questions about tax-efficient investing
Direct answers: Practical details on asset location mechanics, tax-loss harvesting rules, and CPA coordination.
How does tax-efficient investing in Alpharetta increase my total portfolio return?
Tax-efficient investing in Alpharetta increases your net return by minimizing tax friction. By placing income-heavy assets inside sheltered accounts, utilizing low-turnover index funds in taxable accounts, and continuously harvesting tax losses to offset realized capital gains, you allow a larger portion of your principal to remain invested and compound over time.
How does the 365-day continuous tax-loss harvesting process work?
Rather than waiting until December, we monitor your taxable accounts throughout the entire year. When market fluctuations create an unrealized loss in a specific tax lot, we sell that position to lock in the capital loss and immediately reinvest the proceeds into a similar, non-identical index fund or ETF. This ensures your portfolio remains 100% invested in the market while capturing a tax loss to offset taxable capital gains and up to $3,000 of ordinary income.
What is the difference between asset allocation and asset location?
Asset allocation refers to the overall percentage of stocks, bonds, and cash across your total balance sheet to achieve your target risk-return profile. Asset location is the strategic science of deciding which specific account type (taxable brokerage, Traditional IRA, or Roth IRA) holds each asset class to maximize overall after-tax efficiency.
Where are my taxable assets held and will moving accounts trigger taxes?
Your accounts are held in your own name at independent, SIPC-insured institutional custodians—specifically Charles Schwab & Co. and Fidelity Institutional. We initiate account transfers using the Automated Customer Account Transfer Service (ACATS), transferring your securities in-kind directly from your current custodian without liquidating them to cash. After arrival, David Fountain, CFP® professional, reviews each individual lot to construct a gradual, tax-managed transition plan.
How do you coordinate with my CPA or tax accountant?
We work collaboratively with your CPA throughout the year. We supply detailed realized gain/loss schedules, cost-basis reports, and 1099 summaries directly to your tax preparer. Additionally, we coordinate on year-end capital gains budgets to ensure our portfolio actions support your broader income tax strategy.
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
Eliminate tax drag and keep more of what your wealth earns
Take the next step: Discover how structured asset location, continuous tax-loss harvesting, and fee-only fiduciary guidance can protect your multi-million-dollar balance sheet from unnecessary tax erosion.
Direct partner access with David Fountain, CFP® professional • 12600 Deerfield Parkway, Suite 100, Alpharetta, GA 30004 • (770) 650-9392 • Carson@FountainWealthPartners.com
REGULATORY DISCLOSURES & LEGAL NOTICES
Entity Disclosure:
Fountain Wealth Partners is a marketing name for advisory services offered through Financial Consultants Group, Inc., an Investment Adviser registered with the U.S. Securities and Exchange Commission (SEC). Registration with the SEC does not imply a certain level of skill or training.
General Investment Risk:
Advisory services are only offered where Financial Consultants Group, Inc. (d/b/a Fountain Wealth Partners) and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future results. All investing involves risk, including potential loss of principal.
Tax & Legal Limitations:
Fountain Wealth Partners does not provide legal or tax advice. We coordinate tax-aware strategies alongside clients' qualified CPAs and estate planning attorneys.
CFP® Certification Notice:
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and the CFP (with flame design)® in the United States to registered individuals who have successfully completed the initial and ongoing certification requirements.
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© 2026 Fountain Wealth Partners. All Rights Reserved. Firm history dating to 1996.
