BlogPosts By Category


Saltmarsh Financial Advisors' Clients Benefit from Investment Event Series in Tampa and Pensacola

3/13/2019

Saltmarsh Financial Advisors started the year strong with a captivating series of investment-focused educational and networking events across the state of Florida. The series focused on identifying fundamental errors many investors have made throughout their investment journey and provided recommended solutions to avoid future pitfalls.

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Is It Time to Reassess Your Investments?

2/4/2019

U.S. stock markets hit their most recent peak in August 2018 and slowly declined through October, with the months of November and December experiencing frequent price swings. December alone had multiple days of sharp declines along with dramatic upward swings. So, should the recent volatility cause you to reassess your investment portfolio? 

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Saltmarsh Financial Advisors Hosts Redefining Investment Advice Event in Pensacolawith Weston Wellington of Dimensional Fund Advisors

1/25/2019

Saltmarsh Financial Advisors was honored to welcome Weston Wellington, a Vice President of Dimensional Fund Advisors (DFA) as the featured guest speaker for the first of a series of educational investment-focused events the firm will host across the state of Florida.

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Why Should You Diversify?

1/2/2019

When international stock returns lag, investors may feel tempted to double down on their home market. Historical data suggests the long-term benefits of diversifying globally.

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Five Year-End Portfolio Planning Conversations

12/13/2018

It’s December, and we’re deep into the Holiday Season. This is also the time of year when many CPAs and financial advisors sit down with their clients to discuss key decisions that impact the current tax year. I want to highlight some of the conversations we’re having with our clients. So, before we say goodbye to 2018 and hello to 2019, here are a few conversations that you might want to have with your financial team. Keep in mind, these strategies all have nuances too deep to cover in this article. Please only execute them with the advice of a knowledgeable professional.

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The Value of Mentoring: Reflections, Relationships and Rewards

11/29/2018

Whether officially or unofficially, we’ve all had someone provide us mentorship in our lives. A mentor is simply defined as, “An experienced and trusted advisor,” and a mentee is the one being advised. We are committed to preparing the future generations at Saltmarsh by strengthening their personal and professional development, community engagement, and firm knowledge. 

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Be Prepared for These Five Holiday Expenses

11/15/2018

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

11/12/2018

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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How Do I Choose the Right Financial Advisor?

10/11/2018

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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Do I Need A Financial Advisor?

9/20/2018

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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Lessons Learned: Losing a Loved One

8/15/2018

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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The Future of Investing: Man vs. Machine

7/11/2018

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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Saltmarsh Financial Advisors Host 5th Annual Night at the Ballpark

5/29/2018

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

5/24/2018

 

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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Weathering the Market Storms

5/3/2018

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

4/26/2018

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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Saltmarsh Financial Advisors Host Implications of Investor Behavior Events

1/31/2018

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

12/4/2017

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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Your Credit Report: Some Things in Life are Free

6/23/2017

Your credit history plays a key role in so many things (e.g., loan approvals, apartment leasing, job opportunities, etc.) that it's crucial to ensure the information in your credit report is correct.  You are entitled by law to a FREE copy of your credit report from all three consumer reporting agencies (Equifax, Experian and TransUnion) every 12 months.  You can obtain the report in several ways!

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Saltmarsh Financial Advisors Host 4th Annual Night at the Ballpark

5/23/2017

Once again, Saltmarsh Financial Advisors hosted a great evening with clients at a Pensacola Blue Wahoos game for the fourth year running. Good food and cold drinks were enjoyed from the Coors Light Party Deck, which gave our group an amazing view of the game. 

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5 Painless Ways to Achieve Financial Security

4/27/2017

We all know that it's never too early to start planning for retirement or to start building a nest egg for future expenses. Financial security is a goal that we all have in mind, but are you taking advantage of the easy opportunities that can help you accelerate the process? Other than utilizing sensible spending habits, here are some quick strategies to help you reach financial security sooner than you think.

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You Have Your Tax Refund... Now What?

3/31/2017

The size of your refund is based on the amount you overpaid on your taxes during the year.  Essentially you are allowing the government to use your money interest-free during the year but for those who are not disciplined savers they may be better off overpaying the government and realizing a refund at the end of the year.  For some, it can be a good way to “force” savings.     

So, you have your tax refund, now what? Everyone’s financial situation is unique, so what may be the best course of action for one individual may not be for another. Generally, you can Save, Spend or Gift it. 

 

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Doss Moderates UWF Women in Leadership Panel

3/6/2017

Our firm had the opportunity to attend the 4th Annual Women in Leadership Conference: Designing Your Future, hosted by the College of Business Executive Mentor Program at the University of West Florida. The conference was created to help develop women into leaders through empowerment, support, and connections. The day consisted of inspiring speeches, engaging panel discussions, and fulfilling conversations with prominent women from all over the area.

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Saltmarsh Partners with Dimensional for The Evolution of Investing

1/18/2017

Saltmarsh Financial Advisors was honored to welcome Apollo D. Lupescu, PhD of Dimensional Fund Advisors (DFA) as a guest speaker for several special events in Pensacola and Tallahassee.

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Investment Insights: Four Questions Your 401(k) Committee Should Ask

5/17/2016

It is important for your company to have a 401(k) committee to discuss key points and make decisions that are in the best interest of participants. Read the article to see what their meetings should entail.

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Past Posts By Category

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

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Contact Us

FORT WALTON BEACH
(850) 243-6713

ORLANDO
(407) 203-8990

NASHVILLE
(615) 661-0885

PENSACOLA
(850) 435-8300

TAMPA
(813) 287-1111

info@saltmarshcpa.com
(800) 477-7458

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