My name is Brett Anderson.
If there's one thing I want you to know, it's this:
Financial Advisors are held to a much lower 'suitability standard' than a Fiduciary, from a legal standpoint. A Fiduciary is LEGALLY OBLIGATED to advise in your best interests, Financial advisors are not; they basically just have to prove that the recommendation was remotely suitable.
I am a Fiduciary - at heart, that's what I do, and I have the credentials to prove it.
Brett F. Anderson, CFP® | CIMA® | CAIA® | M.S. Econ
Founder/President; Fountainhead Wealth Planning, LLC
I am an expert, working for you.
"True financial planning is both an art and a science, and when succinctly implemented, it optimizes a client's financial positioning."
Brett Anderson, Founder, Fountainhead Wealth Planning
View Credentials
My Investment Philosophy
I believe markets work. Prices reflect the collective knowledge, expectations, and decisions of millions, incorporating information efficiently. Predicting prices is speculation; understanding expected returns is design.
Expected returns arise from systematic drivers such as company size, relative price, and profitability. These persistent patterns historically have rewarded disciplined, evidence-based exposure. Diversification across companies, sectors, and geographies spreads uncertainty, while patience allows compounding to work. Investing is about alignment with market forces, not chasing timing or relying on guesses.
For accredited investors, less efficient markets like secondary private equity can complement a disciplined public market foundation, offering potential incremental returns.
Across all markets: respect the process, trust the evidence, and let discipline reveal advantage. Investing is designing with purpose, enduring with conviction, and aligning capital with reality.
Have questions? Let’s talk.
The Latest From the Blog
-
Social Security: a pragmatic historical perspective
“I deplore the opportunistic political maneuvering, cynically designed to play on the fears of many Americans.“ – Ronald Reagan Social Security: a pragmatic historical perspective, current unsustainability, and a politically expedient peace of mind… Social Security was created in response to the Great Depression and as part of Franklin D. Roosevelt’s New Deal to provide old-age pensions, unemployment insurance, and aid to widows, orphans, and the disabled. Its original intent was moral in nature: to…
-
Roth Conversions; A BETR Way – Part 4 of 4
“If the future tax rate is higher than a calculated BETR, a conversion is generally considered financially sound.“ – Vanguard Group In my previous post, Roth Conversions; No Guarantees, Part 3 of 4, we discussed some of the risk factors that could potentially reduce or completely negate the benefit of front-loading taxes via the Roth conversion process. Because the benefit of a conversion does not occur immediately but instead accrues over time, often taking 20…
-
Roth Conversions; No Guarantees – Part 3 of 4
“Uncertainty is the only certainty there is and knowing how to live with insecurity is the only security.” – John Allen Paulos Uncertain outcomes have always existed and always will. We live in a world defined by uncertainty and decision risk, and the goal of sound planning is not to eliminate it, but to take deliberate, strategic steps that reduce unfavorable risks and increase the probability of achieving the outcomes we want. Given that…
-
Roth Conversions; the Economic Hurdle – Part 2 of 4
“The social responsibility of business is to increase its profits.” – Milton Friedman Just about every business has two objectives: first survival, then growth, achieved through the optimal and effective deployment of both current and future resources. When viewed through this lens, the same principle applies to your personal financial life. You are, in effect, running a personal enterprise. Its objective should be to maximize marginal utility, or happiness, through the most disciplined and…
-
Roth Conversions; No Free Lunch – Part 1 of 4
“A BETR analysis, however, offers a more complete way to think about the issue” – Vanguard Group There is no more enjoyable dinner in my household than a meal that involves steak. My 12-year-old and I prefer ours medium rare, while my wife and 16-year-old choose whatever comes after well done. Irrespective of our idiosyncratic tastes in how a steak should be cooked, I assume we are not alone. This may explain why annuity…
-
Volatility isn’t Chaos
Past performance is no guarantee of future returns; this is NOT investment advice and is meant to be educational in nature. “The market is always trying to price in events and earnings expectations roughly 3 to 30 months in advance, often looking past current, and backward-looking data.” – Ken Fisher Stock prices are uncertain future cashflows in disguise.… Have you ever stopped to think about what a stock’s price per share actually represents?…
View More Blog Posts
More About Brett F. Anderson
I humanize, simplify, and clarify financial planning; no sales gimmicks, quotas, or pretense. I help clients use their resources to achieve and protect their long-term goals, always acting in the truest sense of a fiduciary. My approach is different, but it’s worth a conversation.
What is a fiduciary exactly? Click here to learn what a fiduciary does.
