FountainIcon173x227FOUNTAIN STRATEGIES LLC is an independent, fee-only firm that offers financial planning and investment management services with equal vigor, to our clients. Anticipate opportunity.



Lucky Break

Lucky Break

The procedure used by a marriageable Etruscan young woman of 2300 years ago to identify her prospective husband may have lacked precision compared to today’s computer dating services, but it was more fun. The first step was to draw a circle on the ground, then divide...
Fishing Trips

Fishing Trips

For many of us anglers, fly fishing trips start with a mental image of the destination lake or stream. The image includes the type of fish we hope to catch, and that determines which fly rod and which flies to take along. It is essential to make reservations and...
Trusting

Trusting

During our Civil War public sentiment to add God to the design of our minted coins moved Salmon P. Chase to action. He invited Congress to choose the motto and pass the law in 1864 that allows In God We Trust to be used on minted coins…starting with the 1864 two-cent...
Relief

Relief

The photo shows a familiar medicine that buffers stomach upset and treats a headache. When we reach our personal threshold for tolerating digestive discomfort, the fizzy water is there if we keep some on hand. Declining stock markets bring us up against another...
Leverage

Leverage

A baseball bat extends our reach and provides immense leverage when it connects with a fastball… every now and then there’s a home run. When it comes to buying a home or a car, a loan leverages our reach beyond resources at hand. We need to qualify for...
Rain

Rain

Protecting yourself from Identity Theft is like the weather: everybody talks about it, but nobody does anything about it. When it rains, everything gets wet so you put on a raincoat. When your identity is pilfered from a database you cannot prevent it from happening....
Eden

Eden

The Garden of Eden is as much a state of mind as it might have been an actual place. Dining on forbidden fruit does tend, as the story goes, to change one’s perception of what life is all about. Adam and Eve were expelled from their Eden; their son Cain wandered away...
Your Financial Roadmap

Your Financial Roadmap

Whatever you aspire to is happening beyond the hills. Pretend you are the bird and are looking at the other side; describe what you see yourself doing there, to include family, career, home, and recreation. The river can carry you most of the way to this ideal place:...
Rubbing Elbows

Rubbing Elbows

Invite the six year old who still lives within all of us to stand facing a wall just close enough for the fingertips of your outstretched arm to touch the wall. Then bring your hand to that shoulder and rub the bent elbow with your other hand while chanting “Shorter…...
Contribution or Conversion?

Contribution or Conversion?

Whatever you are allowed to contribute to your IRA account, you can contribute to a Roth IRA account instead. Eligibility depends on the amount of your Adjusted Gross Income, line 37 of your Form 1040 tax return. If you are not eligible to contribute, you can still...
Amortization

Amortization

Those of us with mortgages repay the original loan with interest over a period of years. A 6% loan of $100,000 amortized across 30 years requires monthly payments of $599.55, and the lender stands to receive $215,838 on that loan. The borrower eventually gets to keep...
Passwords

Passwords

Living in the digital age extends our planning chores, financial and otherwise. If you email friends, family, your business associates or the IRS, and pay bills, shop, tweet or link-in online, the chances are you operate at least 25 online password-protected accounts....

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