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Saltmarsh Celebrates Thanksgiving with Annual Feast


As the holidays draw near, we had our annual Thanksgiving feast with all the fixin's! View all the pics inside.

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Be Prepared for These Five Holiday Expenses


The Holiday Season is a time of year that many of us look forward to. Unfortunately, it’s also the time of year when budgets get stretched the furthest. Planning ahead for these 5 holiday expenses will help ensure you can stay on track for your long-term goals while still giving you the peace of mind to enjoy the season. 

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Saltmarsh Financial Advisors Launches New Website


We are excited to unveil the new Saltmarsh Financial Advisors website. Boasting more than just an updated look and feel, the new site offers user-friendly navigation and a responsive design on mobile platforms. For our clients, we have updated the Resources section to make important client resources and information easily accessible for you.

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CFPB Delivers Rulings on HMDA Relief


On May 24, 2018, the Economic Growth, Regulatory Relief, and Consumer Protection Act (the Act) was signed into law.  Section 104 of the Act amended the Home Mortgage Disclosure Act (HMDA) by adding partial exemptions from the disclosure requirements for certain insured depository institutions and insured credit unions.

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NACHA Approves Three New ACH Rules


NACHA recently announced three new rules to expand the capabilities of Same Day ACH for financial institutions and their customers.  To help our readers prepare, I have summarized each rule and provided effective dates. 

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Saltmarsh Doubles the Fun with Cook-Off and Volleyball Tournament


This year, we decided to double the fun and have a volleyball tournament following our annual cook-off to benefit Manna Food Pantries. This year’s theme was Disney, so dishes from Disney movies, theme park rides, and more made their way to the table. As always, the competition was fierce.

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Saltmarsh Hosts 3rd Annual Construction Industry Update Event


The Construction Advisors at Saltmarsh hosted their 3rd Annual Construction Industry Update on Wednesday, October 17th. The half-day seminar featured local experts speaking on our region’s most important industry concerns and developments. 

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How Do I Choose the Right Financial Advisor?


The profession of “Financial Advice” has morphed over the decades, and while there’s been a lot of positive steps towards client advocacy, there are still people out there looking to take advantage of the uninformed. Complicating matters further, some firms have taken to the tactic of giving their sales people important titles previously associated with advice-only firms. So how do you find an advisor to trust?

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Saltmarsh Practices Building and Landscaping for United Way Day of Caring


The United Way’s annual Day of Caring found several of our employees out of the office and getting their hands dirty. Lakeview Center needed assistance in building a new fence and planting new flower beds, and Saltmarsh was glad to help. Armed with posthole diggers and cement, our team erected the brand new wooden fence in no time and used an artistic eye to landscape new flower beds.

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Major Tax & Accounting Decisions Faced By Tech Start Ups


Tax and accounting decisions can be some of the most overwhelming aspects of starting a new company, but having things set up properly from the start can save you time and money in the future.  I want to touch on some of the most important tax and accounting decisions to consider when starting a new company.  These decisions are best made in tandem with a CPA and a business attorney.  

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Saltmarsh Hosts 13th Annual Community Bank Events in Tampa


Our 13th Annual Community Bank Events in Tampa featured three unique sessions with subject matter experts who focused on topics relevant in today’s banking and financial landscapes.

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President Lee Bell Featured in Executive Profile by Tampa Bay Business Journal


Saltmarsh President Lee Bell sat down with Pam Huff, Managing Editor of the Tampa Bay Business Journal, to discuss the future of accounting, the impact of new techologies and all things Saltmarsh, including our upcoming 75th anniversary. 



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Do I Need A Financial Advisor?


One of the most common questions I hear from friends and prospective clients is “Do I need a Financial Advisor?” Asking a Financial Advisor “Do I need an Advisor?” is like asking a Girl Scout “Do I need cookies?” Instead of providing them with a biased yes or no answer, I prefer to talk to them about the common reasons people decide to work with an advisor.

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Howdy Partners! IRS Partnership Audit Rules Have Changed


Reminder: As of January 1, 2018, the landscape for how the IRS audits (or “examines”) a partnership tax return has changed. A new “centralized partnership audit regime” is now in place for tax years beginning in 2018. 

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A Practical Guide for Understanding Business Valuations


The value of a business can be reported through two basic, but very important, formats: Valuation Engagements and Calculations of Value. When the value of a business needs to be substantiated or documented, for any reason, one of these services would be used. 

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How to Improve Your Quality Component Scoring


Make sure that you are taking steps to maximize your Quality Points and the Quality-based component of your Medicaid rate!

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Branch Operations: Streamlining Safe Deposit Box Procedures


Banks often use safe deposit boxes to hold contents that require dual-control.  Contracts and access cards issued for the safe deposit boxes typically list employees who have access to the box at the time the contract is issued. A common issue we see is that as employees are promoted, moved to different branches, retire, etc., the contract and access card become inaccurate. 

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Recruiting Insider: Rediscovering Basic Skills


As a recruiter for an accounting firm, I am utterly stunned to find that some of the most basic skills are lost on the fresh faces of today’s generation. I want to give you some insight into the basic skills I and many other recruiters are looking for in applicants, because these skills most often translate to long-term success.

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Lessons Learned: Losing a Loved One


There is no greater certainty in life than death. As a financial advisor, part of my job is to help families create a plan for the future. This role often means having difficult conversations about a topic most of us would prefer not to discuss: death. I don’t take great joy in talking or writing about death. Truth be told, it is an all too real reminder of my own mortality. But a few recent events have compelled me to write about this topic. 

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Saltmarsh Tax Teams Hit the Lanes and Links


Our Tax Department proved they are not "All work; no play," last week with their Tax Department Fun Day!

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Your Router is Infected, and... You Don't Know It!


It is possible your small office or household routers are being compromised without your knowledge with a new malware known as VPNFilter

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FASB Clarifies Implementation Date of CECL for Community Banks and Credit Unions


The Financial Accounting Standards Board (“FASB”) has approved an amendment to the transition guidance related to the implementation of the Current Expected Credit Losses accounting standard (“CECL”) for privately held banks and credit unions.

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Stephen Reyes vs. Mount Rainier


Standing at 14,411 feet tall, Mt. Rainier stands as the tallest peak in Washinton state. Some adventurous men and women spend days and weeks to climb to the top, but other daring spirits would rather attempt to RAMROD it! What's that, you ask?

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Three Emerging Tech Trends to Keep on Your Radar


Every few months there is more news on the “Next Big Thing,” and why you should get it. It is staggering to try and keep up as you wonder if this technology even works for your needs. 

Let’s look at a few upcoming technologies that are on everyone’s radar.


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HR Confidential: Protecting Your Sensitive Information


For those who work in an HR capacity, you are entrusted with maintaining sensitive information about employees and management issues.  You must also protect information under laws that govern confidentiality.  Not keeping certain information confidential can result in lawsuits, identity theft and other serious issues.  It can also undermine a HR Department’s credibility and integrity.

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The Future of Investing: Man vs. Machine


When I first heard the term “Robo-Advising,” I was a senior in college, getting ready to enter the field of financial advising. The name alone was enough to make me worry that I had chosen the wrong profession. I hadn’t even made my first student loan payment, yet my future career was about to be replaced by machines! If that wasn’t bad enough, the 2008 mortgage crisis had just occurred. Ten years later, financial advisors haven’t been replaced by machines, and it’s important to understand why.

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IRS Announcement2018 HSA Contribution Limits Remain at $6,900 for individuals with family HDHP coverage


On May 4, 2017, the IRS announced that the maximum family coverage contribution limit to a Health Savings Account (HSA) for 2018 was $6,900.

However, on March 5, 2018, the IRS announced that the $6,900 was reduced to $6,850 due to changes to the indexing provisions outlined in the Tax Cuts and Jobs Act. 


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Sales Tax AlertU.S. Supreme Court Rules in South Dakota v. Wayfair


On June 21, 2018, the Supreme Court of the United States issued its widely anticipated decision in South Dakota v. Wayfair, et al. No. 17-494. In a 5-4 decision, the Court held that the physical presence rule for state tax jurisdiction is incorrect and not a requirement under the Commerce Clause of the U.S. Constitution.

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Recent Improvements to Hospice Notice of Election (NOE)


Good news! New improvements have been made to the Hospice Notice of Election (NOE). Things are changing, so learn how the new procedures work by reading the full article.

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Advisory Insights: Introducing the New Lease Standard


During my years in the financial institution industry, we made every effort to classify any lease agreement we entered as an operating lease as opposed to a capital lease. Not only did we want to avoid recording an asset and its corresponding liability on the entity’s balance sheet, we also did not want to expend the effort of the requisite capital lease accounting afterwards. 

This is no longer necessary, thanks to the new lease standard, ASC 842. 

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Bad Examples Make Good LessonsLearning from Wells Fargo


Welcome to a short case study on Wells Fargo’s (Wells) latest bungle in the land of consumer compliance.  Hopefully this short read will save your institution about a billion dollars, or the latest civil money penalty charged to Wells as the result of the two publicly cited issues.  You’re busy.  I know.  So allow me to break down the thirty-five page consent order filed April 20, 2018 by the Consumer Finical Protection Bureau (CFPB) against Wells.  


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Common Tax Return Red Flags to Avoid


Your federal return for the periods shown above has been selected for examination.

Have you ever received one of these letters? If so it can be a very stressful event! Your first thought is “Why am I being audited?”

Sometimes it is pure luck that your return has been selected for audit by the IRS, but most of the time it is due to “red flags” that the IRS has identified. “Red flags” is a term used for items of income or deductions in a return that may stick out as unusual or may be an irregularity for that year.

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Saltmarsh Financial Advisors Host 5th Annual Night at the Ballpark


The Saltmarsh Financial Advisors wouldn’t let a little rain stand in the way of hosting their 5th Annual Night at the Ballpark for their great clients and friends.

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Saltmarsh Is Glad to Give Back on CPA Day of Service


The CPA Day of Service is an annual event where CPAs throughout Florida volunteer in their communities.

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New Technology, Same Old Scams: Criminals Holding on Line One



Phone calls from the IRS notifying you there is a warrant for your arrest! You may think that tax scams only take place online these days, but many criminals prefer old-fashioned tactics that could catch you completely off-guard!  

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Welcome Baby Margo to the Saltmarsh Family!


Last Wednesday morning, Margaret "Margo" Althea Poirier was born, weighing in at 7 lbs., 1 oz. 

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HMDA Data Collection FAQ: Should You Start, Stop, or Continue?


Many of our clients are asking the same questions, and rightly so given the number of HMDA related proposed and final rules, amended rules, charts, and guidance documents published since early 2015.  Below we share answers to the most common questions we receive related to the ‘new’ HMDA.


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CFPB Issues New Rule: A Light in the TRID Black Hole


On April 26, 2018, the CFPB issued a final TILA RESPA rule that provides institutions more flexibility when changes occur between the time a closing disclosure is provided to borrowers and the consummation of the loan. The final rule will be effective June 1, 2018.


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The Bank Advisors Host Their First CFO Roundtables of 2018


Our Bank Advisors held their first Community Bank CFO Roundtable meetings of the year across the region. Paul Allen led our meetings in Tampa and Orlando, while Bill Massey headed the meetings for Ft. Walton Beach and Dothan, AL. 


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Weathering the Market Storms


Working with clients as a Registered Investment Advisor in Florida, I’ve often compared the declines in the stock markets to hurricanes. Both develop quickly, create a noticeable impact, and leave those effected feeling uncertain. A market decline is a reality that many people have not properly accounted for as they try to grow their investments. But it’s something that can cause tremendous worry, especially for those near or in retirement.

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Don't Fall Victim to Cyber Crime!Protect Your Personal Information


You are driving to a meeting with a new prospective client.  Your boss calls and needs those reports for her meeting that starts in 10 minutes.  Whipping into the local coffee shop with free wi-fi, you can shoot those reports out, buy a round of lattes for the meeting and still make it on time.  Out comes the laptop as you find a small table in the corner, and you connect to the CoffeeShoppe_Guest wireless network. The New Email button is clicked, the reports are attached, you add the recipient and click Send.  

 But, did you just expose your personal information?  Will you be a victim of cyber crime?  The most frequent target for cyber criminals is personal information

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Your Financial Institution's Role in the Fight Against Human Trafficking


Human trafficking is much more prevalent than we’d like to believe. With over 600 human trafficking cases reported in 2017, Florida ranked 3rd among all states for reports according to the National Human Trafficking Hotline.  What can you do to combat this crisis?

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End of Tax Season Party 2018


The 2018 Tax Season tried to hang around as long as it could, but it is now over! Although April 17th looked like the end, the IRS decided to have a few malfunctions and extend the deadline to April 18th! With busy season officially over, we were finally able to celebrate.

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Non-Profits 101: Overcoming Obstacles to Tax-Exempt Status


In my last blog, I discussed the basics of receiving and maintaining tax-exempt status. Yet, many new non-profits encounter common mistakes and errors that complicate these efforts. Two areas where obstacles are most commonly encountered are payroll and fundraising.

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A Helms-MacBeth Wedding


Congratulations Stephen and Ron!

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Submission Deadlines: FRVS Survey Data


DUE APRIL 30, 2018: Submission of updated FRVS survey data to AHCA. The FRVS survey data will be used to calculate your 10/01/2018 FRVS rate.


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Tax Scams Across the Nation Part Three: Have You Seen My Tax Refund?


Identity-theft tax refund fraud occurs when someone uses your stolen Social Security number or Individual Taxpayer Identification Number (ITIN) and then files a tax return on your behalf claiming a fraudulent refund.

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Industry Check-Up: How New Accounting Standards Will Impact Healthcare


Some of the most significant accounting changes in recent years are right around the corner. Two new standards will have a great impact on healthcare and other entities: revenue recognition and lease standards.

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Advisory Insights: Financial Institutions - Options for Syndicated Loans


One benefit of performing reviews of accounting operations for our Financial Institution (FI) clients is the chance to review a specific function that while infrequent, is unique to that client.

One such review is that of syndicated loans. These allow FIs to take part in large loans that they would otherwise not be able to originate alone. During a recent review of syndicated loans, the question was raised concerning the proper way to amortize purchase premiums or accrete purchase discounts. 


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Leadership in Your CommunityHow to Choose the Right Organization


As a young professional moving back home to Pensacola over a year ago, I've had the opportunity to start from scratch in building my community involvement. Thankfully, I've found the community to be welcoming and appreciative of young professionals wanting to get involved. In fact, I would take it further to say the community truly embraces new and young professionals trying to make their way. Below are the pieces of advice provided by others that impacted my choices in determining where and how to get involved. 

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What's New? CFPB Releases New Five Year Strategic Plan


On February 12, 2018 the Consumer Financial Protection Bureau (CFPB) released its Strategic Plan for FY 2018-2022.  A lot has changed since the first five-year Strategic Plan for FY 2013-2017 was published.  

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Avoid Surprises Next YearRevisit Your Wage Withholding


The IRS has just released the revised Form W-4 online withholding calculator & Form W-4 updated for the Tax Cuts & Jobs Act. The IRS has also recently released the new withholding tables to reflect the new law.  Many taxpayers are seeing increased take home pay because of the new tables. 


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Non-Profits 101: Intro to Obtaining Tax-Exempt Status


Non-profit status and tax-exempt status: what exactly do those terms mean from a tax perspective? Is my non-profit automatically tax-exempt? How do I become tax-exempt? These are just some of the questions I have received over the years. Before we discuss how to earn and maintain the tax-exempt status, you need to understand how the two statuses relate! 

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Bank Regulation AlertHMDA Changes Force Update of CRA Public File Requirements


Effective January 1, 2018 - The Community Reinvestment Act (CRA) was amended on November 20, 2017 by the Federal Deposit Insurance Corporation, the Federal Reserve and the Office of the Comptroller of the Currency. The joint agency final rule revises the definitions of “home mortgage loan” and “consumer loan” to more closely align to the new revisions of the Home Mortgage Disclosure Act (HMDA).  Both the HMDA and CRA revisions became effective January 1, 2018.

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Goodbye Gabes... It's Terrell Time!


Jayme Gabes and Jeff Terrell tied the knot on Saturday, February 24th at Old Christ Church in Pensacola, Florida. Friends and family from across the country came together for this special occasion.

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No More Free Lunches... Or Rounds of Golf!Meal & Entertainment Expenses under the Tax Cuts & Jobs Act


The provisions of the Tax Cuts and Jobs Act will impact every individual and business. One of the provisions that has not been widely publicized but will have significant  impact is the new rules related to meal and entertainment expenses

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William Vander Beasley Has Arrived!


The Beasley family welcomed its newest member yesterday: William Vander Beasley. Instead of the usual gender reveal, the Beasleys were able to keep the name under lock and key until he was born!


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Tax Scams Across the Nation Part Two: Ring, Ring, Ring! Bad Guys on Line One


Warning: The IRS does not call and leave pre-recorded, urgent messages asking for a call back.


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Branch Operations: Dual Control vs. Dual Presence


Most branch environments have higher-risk areas that require dual control to access.  This is mainly because the theft or misappropriation of the contents in these areas could result in the financial institution suffering a loss.  Increased regulatory scrutiny is often applied to such areas.

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New Requirements for SNF ABNs


Effective May 7, 2018: New version of the Skilled Nursing Facility Advance Beneficiary Notice of Non-coverage (SNF ABN) is mandated - Form CMS-10055 (2018). CMS is encouraging earlier implementation.


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New Medicare Cards Required to Fight Identity Theft


The Medicare Access and CHIP Reauthorization Act (MACRA) of 2015 requires all Social Security Numbers (SSNs) to be removed from all Medicare cards by April 2019. A new Medicare Beneficiary Identifier (MBI) will replace the SSN-based Health Insurance Claim Number (HICN) on the new Medicare cards.

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To Do Your Own Taxes or Not? That is the Question!


With tax season just around the corner, the question of whether or not to prepare your own taxes should be on your radar screen. Why? Because that decision is wise to reassess periodically to account for any significant personal changes, and it is best done in advance of filing deadline pressures. Whether you are a veteran DIYer when it comes to preparing your taxes, or you have always outsourced your tax return preparation up until now, considering the options in light of your current circumstances can help you arrive at an informed decision.

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Saltmarsh Financial Advisors Host Implications of Investor Behavior Events


Saltmarsh Financial Advisors was honored to welcome Christian Newton, Regional Director of Dimensional Fund Advisors (DFA) as a guest speaker for several special events in Pensacola and Destin.


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Saltmarsh Hosts Technology Roundtable In Tampa


On Monday, January 29th, we hosted a roundtable meeting for technology companies. Our discussion focused on recent events, potential challenges, and best practices that are currently impacting technology in the Tampa Bay area and how they could impact the future.

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2018 HMDA FAQ: CRA Public File and Branch Disclosures


Questions regarding the impact of the new HMDA regulation have been top of mind for our clients. Specifically, many of you have asked how the regulation affects CRA public file and branch disclosures. 

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Tax Scams Across the Nation Part One: Bad Guys Have Gone Phishing


The IRS is warning taxpayers to stay alert to several tax scams that are occurring across the nation. Phishing, phone scams and identity theft top the list of scams normally reported. Following hurricanes and other recent disasters, the IRS is urging taxpayers to be on the lookout for schemes stemming from these recent events during this year's tax season.


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Critical Security Flaw that Affects Your Computers


As you may have heard on the news, a critical hardware vulnerability was recently discovered that impacts computers all over the world. These flaws are now being more commonly referred to as Meltdown and Spectre. “Meltdown” is the flaw found in Intel Chips that allows malicious programs to gain access to higher-privileged parts of a computer’s memory and “Spectre” is the flaw found in ARM and AMD chips that steals data from the memory of other applications on a machine. 


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CFPB Announcement: New Asset Size Thresholds


Just three business days before the new year, on December 27, 2017 the Consumer Financial Protection Bureau (CFPB) released the following asset size thresholds for year 2018.

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Regulatory Update: Servicemember Lending


Recently, new regulatory updates have been enacted that impact servicemembers and financial institutions. Stephen MacBeth explains how the National Defense Authorization Act for FY 2018 signed into law by the President impacts servicemembers, while Sarah Oliver offers insight on the new and amended Q&As in the revised Interpretive Rule for implementing the Military Lending Act (MLA). 

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Wedding Bells at Saltmarsh


We are excited to announce that our own Jacey Sanders is now Mrs. Jacey Banach!

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Welcome Baby Owen Scott Tilley!


We are very excited to announce the arrival of the Saltmarsh family's newest addition. Owen Scott Tilley was born at 8:05 a.m. on December 29th, weighing in at 8 lbs. and 5 oz.

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Tax Cuts and Jobs Act (TCJA): For Individuals and Businesses


The Tax Cuts and Jobs Act (TCJA) is a sweeping tax package. Here's a look at some of the more important elements of the new law that have an impact on businesses and individuals. Unless otherwise noted, the changes for individuals are effective for tax years beginning in 2018 through 2025.

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Avoid Fair Lending Risk! Track Pricing Exceptions


The tracking and monitoring of pricing exceptions has long been an expectation of financial institution regulators. If you are not already tracking and monitoring these exceptions, you may want to consider implementing procedures to doing so.


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Storytelling Matters: Sharing Your CRA Efforts During Exams


The single piece of CRA-related advice that we most often give our clients is to tell their story. We summarize some of the CRA issues common amongst our client banks, but later, we will share some of the more innovative and original ideas to have come from them.


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Fiduciary vs. Suitability: Which is Driving The Investment Advice You Receive?


In the financial services industry there are two primary parties who can offer investment advice- Registered Investment Advisors (RIA) or investment brokers. The investment advice you receive from these parties may be similar, but a key difference exists between RIAs and brokers. The difference lies in the two competing standards each party is bound to uphold.

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The Truth About Getting Rid of Tax Debt


If any of you have listened to satellite radio or watch TV, I will assume you have heard those commercials from those specialty tax firms that claim they can settle your debt for “pennies on the dollar.”  Is this too good to be true? Probably.  Is this as common as those commercials say? Absolutely not.

Can you settle your debt for 10 cents on the dollar?  Yes, you can…if you meet the right criteria. 

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Saltmarsh Gobbles Up Annual Thanksgiving Lunch


As the holidays draw near, we had our annual Thanksgiving lunch with all the fixin's! See all the pics here.

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2018 HMDA Prep: Sample Sizes & Error Thresholds for Examiner Testing


The guidelines detailed how HMDA Loan Application Register (LAR) data, collected beginning January 1, 2018 will be validated by examiners.  In this article, we elaborate upon two topics that should be of importance to compliance officers -- how the testing sample is selected and the specific thresholds for resubmission due to errors.


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Saltmarsh Hosts Technology Roundtable in Tampa Bay


On Thursday, November 9th our Tampa office hosted a roundtable meeting for tech companies in the Tampa Bay area.

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Saltmarsh Goes Global for 2017 Cook-Off Contest


Our annual cook-off to benefit Manna Food Pantries boasted all kinds of delicious and festive dishes. This year’s theme was International, so dishes from all around the world were featured. As always, the competition was fierce.

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Saltmarsh CPA - Who We Are

Who We Are

Our professionals have the depth of experience, industry knowledge and worldwide resources to help you reach your goals. We put your success above all else as your trusted advisor.

Saltmarsh CPA - What We Do

What We Do

Saltmarsh offers a full range of professional services to accommodate your needs – from tax planning and accounting services to information technology and employee benefits consulting.

Saltmarsh CPA - Who We Serve

Who We Serve

Saltmarsh serves individuals and businesses. Personal attention, access to the right professionals and rapid response is how we serve.

Contact Us

(850) 243-6713

(407) 203-8990

(615) 661-0885

(850) 435-8300

(813) 287-1111
(800) 477-7458

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