BlogPosts By Category


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 Ten years later, financial advisors haven’t been replaced by machines, and it’s important to understand why.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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Financial Advisor Client Appreciation With the Pensacola Blue Wahoos

5/9/2016

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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Doss Featured in Penscola Business Radio Interview

2/15/2016

Last week, the managing director of Saltmarsh Financial Advisors, Christina Doss was featured in a Pensacola Business Radio interview with Dr. Sherry Hartnett of University of West Florida and Julie Sheppard of Florida Institute for Human and Machine Cognition. This episode is part of the Women in Leadership series, concentrating on career changes and transitions.

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Investment Insights: Second-Hand News

2/11/2016

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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Doss to speak at Women in Leadership Conference

1/6/2016

Christina Doss, AAMS, of Saltmarsh Financial Advisors has been invited to participate in the Women in Leadership conference, hosted by University of West Florida.

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Investment Insights: The Patience Principle

11/17/2015

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

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Investment Insights: The Art of Letting Go

7/7/2015

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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Saltmarsh Financial Advisors Educational Events Featuring Mitch Chamberlain

6/19/2015

We were honored to have Mitch Chamberlain, Regional Director of Dimensional Fund Advisors (DFA) as a guest speaker for a Dimensional Introductory event that was hosted by Saltmarsh Financial Advisors.  

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Financial Advisor Client Appreciation: Blue Wahoos Game

5/15/2015

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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Saltmarsh Financial Advisors Hosts Series Of Educational Events Featuring Dr. Apollo Lupescu

1/16/2015

We were honored to sponsor Apollo D. Lupescu, PhD of Dimensional Fund Advisors (DFA) as a guest speaker for various Saltmarsh Financial Advisor events.

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Past Posts By Category

Saltmarsh CPA - Who We Are

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