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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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Your Credit Report: Some Things in Life are Free


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


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


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?


The size of your refund is based on the amount you overpaid on your taxes during the year.  If you pay in less, your take home pay will be greater.  Essentially you are allowing the government to use your money 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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Investment Insights: Four Questions Your 401(k) Committee Should Ask


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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Financial Advisor Client Appreciation With the Pensacola Blue Wahoos


Our Financial Advisory group and clients had a great time at the Pensacola Blue Wahoos game! We had the opportunity to enjoy the game from the New Amsterdam deck with copious amounts of food and drinks for all to enjoy! We even got to celebrate a Blue Wahoo win against the Biloxi Shuckers! We would love to thank the Pensacola Blue Wahoos for welcoming us and treating us to a wonderful time.

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Investment Insights: Second-Hand News


One academic study appears to confirm the view that the apparent preponderance of bad news is as much due to demand as to supply...

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Investment Insights: The Patience Principle


Failing markets are worrisome to all investors, but maintaining patience with a longer-term perspective is key.

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Doss Selected to Join Leadership Florida Class of XXXIV


Saltmarsh Financial Advisors is pleased to announce that Christina Doss, AAMS® has been selected to join the Leadership Florida Class of XXXIV.

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Investment Insights: The Art of Letting Go


In many areas of life, intense activity and constant monitoring of results represent the path to success. In investment, that approach gets turned on its head.

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Financial Advisor Client Appreciation: Blue Wahoos Game


The 2nd annual Financial Advisor Client Appreciation Social was a hit! We enjoyed the Blue Wahoos baseball game from the Shellback Deck with an awesome food buffet and great company. As if the event couldn't go over more smoothly, the Wahoos had their first walk off win of the season with 5-4 win over the Tennessee Smokies!

We would like to thank our extraordinary clients and the marketing department for making this event successful! See you again next year! 

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Upcoming Deadline: Exercised Incentive Stock Options & Employee Stock Purchase Plans and Reporting Requirements


As the new year begins, corporations should be aware of the reporting requirements related to employee stock purchase plans (ESPPs) and incentive stock options (ISOs) in 2013

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Decisions to Write Off Investments Become Critical in 2012


In this year 2012, it becomes increasingly important to plan for write offs of investments in Private Equity Funds. Traditionally, the sooner the tax write off follows the financial book write down, the quicker the loss can be used to offset gains, either from the Private Equity Fund itself or from other investments. However, with a rise in capital gains tax looming for 2013, coupled with the Affordable Care Act’s tax of 3.8% for most Fund Limited Partners (LPs), consideration should be given to possibly deferring any losses to 2013 to get a rate advantage.

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Legislative Alert: Details on Form PF


On October 26, 2011 the Securities and Exchange Commission (the “SEC”) voted and approved a new rule requiring investment advisors to report information about their private funds to the SEC. The rule, which implements Sections 404 and 406 of the Dodd-Frank Act, requires SEC-registered investment advisors with at least $150 million in private fund assets under management to periodically file a new reporting form (Form PF). 

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Protecting Your Financial Personal Information


Phishing sounds like something you might enjoy doing on a hot summer day.  Phishing, unlike fishing, can be dangerous…that is to your personal information.  Phishing is a scam typically carried out through unsolicited email or through websites claiming to be legitimate sites which lure the unsuspecting victims to provide personal information such as social security numbers, credit card numbers or passwords. 

Be aware that the IRS does not initiate taxpayer communication through email or request detailed personal information through email.  

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Discipline: Your Secret Weapon


Working with markets, understanding risk and return, diversifying and portfolio structure – we’ve heard the lessons of sound investing over and over. But so often the most important factor between success and failure is ourselves.

The recent rocky period in financial markets has brought to the surface some familiar emotions for many, including a strong urge to try to time the market. The temptation, as always, is to sell into falling markets and buy into rising ones.

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Industry Information: Cost Basis Legislation


Anyone who has sold investments knows that cost basis is important. Certainly, at one time or another most of us have been asked by our professional tax preparer to provide the acquisition date and cost basis on investments sold.

Cost basis is used to determine capital gains (gains) and losses (losses) of an investment for tax purposes. The Emergency Economic Stabilization Act of 2008 included new tax reporting requirements with significant implications for financial advisors and investors. The good news is brokers are now required to keep up with this information for you. The bad news is they will not be required to track cost basis for investments purchased prior to the new legislation.

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Saltmarsh Financial Advisors: Safeguarding Your Investments: Understanding Custody


In December 2008, Bernard L. Madoff was arrested amid allegations he operated a $50 billion Ponzi scheme. He pleaded guilty to 11 felony counts on March 12, 2009, and was sentenced on June 29, 2009, to the maximum sentence of 150 years behind bars.

One of the reasons this fraud went on for so long un-detected was that Madoff was both the investment adviser and custodian to his clients. Custody by investment advisers means holding client funds or securities, directly or indirectly, or having the authority to obtain possession of them.

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Personal Finance: How safe is your cash?


If you find yourself concerned about the safety of your bank deposits, you’re not alone. A recent article in the Wall Street Journal noted that bank officials have been receiving more calls from savers wondering just how safe their funds are. Those concerns are understandable considering the meltdown in financial markets and the economic problems facing everyone.

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Past Posts By Category

Saltmarsh CPA - Who We Are

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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.

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