Resource HubAll Articles
Cost of Index Reconstitution: Index & Diversification Portfolios
5/15/2025
The appeal of low expense ratios and broad diversification has contributed to the growth of index funds. Yet those appealing qualities can come at a cost. Index funds primarily seek to match the performance of an index. This objective may lead to constraints and implementation costs that are not reflected in the funds’ expense ratios.
Three Tips for Riding Out the Ups and Downs: Investment Trends
5/8/2025
Investing, like a roller coaster, has its ups and downs. One minute you’re climbing higher and the next a sudden decline makes your stomach drop. A few reminders can help investors to relax amid the turbulence.
BankChat 2025: Saltmarsh Financial Institutions Takes NashvilleCommunity Bank Risk Professionals Training Event Highlights
5/2/2025
Our annual community bank event, BankChat 2025, in Nashville, brought together over 100 community bank risk professionals and subject matter experts to explore the latest industry challenges and opportunities. From navigating regulatory changes to embracing technology and innovation, this year's BankChat was a must-attend event!
Bearish Sentiment: Investment TrendsHow market pessimism could shape investment trends
5/1/2025
Many investors seem to be pessimistic about the direction of the market. If history is any indicator though, that’s a bad time to get out of stocks.
Life After Graduation: Building Your Accounting CareerBudget Tips, Career Goals, and Work-Life Balance Hacks
4/29/2025
Adjusting to life after college isn’t easy, but it’s full of lessons. From budgeting and career growth to finding balance and purpose, discover what post-grad life is all about. Read more...
Medicare Revalidation Deadline for SNFsSubmit in PECOS by August 1, 2025
4/28/2025
New Deadline extension for CMS rule requirement. All SNF providers to report additional data on ownership, managerial, and related party information not previously required during the initial application and/or revalidation process. Read more...
Tariffs and Stagflation
4/24/2025
One of the concerns arising from tariff talks is the possibility of stagflation, or the combination of rising inflation and an economic contraction. But should investors act on this concern with their investments?
How Extreme was Recent Large Growth Outperformance?
4/17/2025
US small value stocks underperformed large growth stocks by about 4.5% per year over the past five years. Some investors have asked what went wrong with small value to garner such underperformance. Looking at returns over this period compared to the long term, we see the story is more about what went anomalously right for large growth.
The Future of ACH Compliance: Insights on Nacha's Latest Rules
4/14/2025
As the world of electronic payments continues to evolve, staying informed about Nacha’s rule changes is critical for financial institutions and businesses. The recent "Navigating Nacha" webinar, hosted by Saltmarsh Financial Institutions Consulting, provided valuable insights into past, current, and upcoming changes to the Nacha Operating Rules.
DOL Audit Requirements: A Critical Reminder for Retirement Plan Sponsors
4/7/2025
For all employee benefit or retirement plan sponsors, it’s important to stay informed about regulatory changes regarding ERISA audit requirements. Read more on the requirements...
Regulation CC Update Summary
4/3/2025
Regulation CC mandates periodic adjustments to the minimum dollar amount of funds that must be made available from deposits into transaction accounts, reflecting cost of living changes. These adjustments occur every five years, starting in 2020. The next increase will take effect on July 1, 2025, raising next-day availability from $225 to $275, and second business day availability from $5,300 to $6,450. Unless an exception hold is applied, $6,725 must be made available by the second business day.
Key CMI Reporting Deadlinesfor Tennessee SNF Providers in 2025
4/2/2025
The facility-specific Case Mix Index, or CMI, is a key Medicaid rate component for Skilled Nursing Facilities in Tennessee. Ensuring that each facility’s MDS is both accurate and submitted timely is crucial to guaranteeing accurate Medicaid reimbursement. Today, we want to talk about how the CMI is used and some of the key MDS reporting dates.
Tariff Trepidation
3/25/2025
One of the focal points following the presidential election is the potential for an increase in tariffs applied to goods produced outside the US. Many investors have wondered what this could mean for markets. To read more...
Alphabet Soup of Estate Planning
3/25/2025
Estate planning is filled with an abundance of acronyms and terms that can be quite perplexing at first glance, but with a bit of guidance and explanation, they can become much more manageable. Understanding these acronyms is crucial for navigating the intricacies of estate planning as well as making well-informed decisions. Since the process can be quite complex, it’s helpful to have all the definitions in one accessible place.
What's Happening at SaltmarshCelebrating March's Milestones and Exciting Events!
3/24/2025
As we wrap up a busy March and move through the excitement of busy season, let's take a moment to celebrate recent achievements both within and outside our firm. These accomplishments showcase the hard work and dedication of our teams.
Tennessee Capital Improvement Request Form Reminder
3/24/2025
For all Tennessee providers participating in the TennCare program, the submission deadline for the Capital Improvement Request Form is March 31, 2025. Any requests submitted and approved during this submission window will take effect during the July 1, 2025 rate period.
It's More Than 'Just a Phase'
3/20/2025
The first phase of financial life is the Accumulation Phase. It is characterized by the initial increase in net worth. For most, this aligns with the early years of their career. The keys to a successful Accumulation Phase are prioritizing goals, maximizing savings, understanding where dollars should be saved, how and when to use credit, and managing risks. The following are some of the basics that should help you identify areas for focus as you begin to build your initial wealth.
How to Avoid Black Swans
3/6/2025
When it comes to investing, a big obstacle many people face is the fear of catastrophe. If you invest in a stock, there’s always the possibility that the value may drop to zero. In fact, we used to have a wall in the office lunchroom that was covered with stock certificates from liquidated companies. Most of those businesses likely had good ideas and solid plans. Read more...
An Investing Plan for This YearDoing Less Can Lead to More
2/27/2025
Every January, many of us commit to resolutions like eating healthier or exercising more, but a lot of us fall short of sticking to them—because lifestyle change is hard. Improving success in most areas of life demands increased effort and action. But investing is different in a way many of us have a hard time accepting: Doing less often means ending up with more. Read more...
Demystifying Personal Injury Settlements: A Guide to Navigating Your Claim
2/20/2025
This article will guide you through the essential considerations for managing a personal injury settlement, helping you avoid pitfalls and secure a stable financial future.
Saltmarsh Strenghthens Fair Lending Serviceswith Lorraine Faust's Addition to Financial Institutions Consulting Group
2/13/2025
We're excited to welcome Lorraine Faust, CRCM as the Director of Fair lending/Fair & Responsible Banking in the firm's Financial Institution Consulting Group!
Mastering the Tax TangoAn Accountants Guide to Cha-Cha through Tax Season
1/28/2025
Tax season can feel like a daunting dance, but with the right steps, you can glide through it easily. The following step-by-step guide provides a quick twirl of tips to help you chassé through tax season from making sure you eat right to taking ownership of your time. Remember, even in the world of taxes, a little rhythm can make the process more enjoyable!
The Power of Human Ingenuity
1/24/2025
Against a backdrop of geopolitical tensions, economic challenges, and electoral uncertainty, 2024 proved the resilience of public financial markets and the power of human ingenuity once again. Markets continued to do what they do best: efficiently process information and set fair prices, rewarding long-term investors with positive returns.
Reality Check: Capital Market Assumptions vs. Actual Returns
1/24/2025
Every year, many investment and consulting firms release new CMAs, or capital market assumptions. CMAs can be useful for setting risk and return expectations and for long-term financial planning. However, as the old saying goes, it’s difficult to make predictions, especially about the future.1 Even well-constructed CMAs are not a crystal ball and, when used inappropriately, can lead to suboptimal outcomes for investors.(2)
2024 Year in Review
1/23/2025
As 2024 passes, it’s time to reflect on the key themes that shaped this eventful year. Geopolitical uncertainties, lingering effects from COVID-19, the U.S. presidential election, and debates about a hard versus soft economic landing kept investors on edge at the year’s outset. Yet, alongside the challenges, there were significant opportunities for growth. Here’s an overview of major developments in U.S. and international markets and their broader implications.
16 Essential KPIs for Post-Acute Healthcare Facilities to Track
1/17/2025
Post-acute care facilities face unique challenges in delivering quality care while managing costs and improving patient outcomes. They must navigate complex regulations, address diverse patient needs, and adapt to changing reimbursement models.
Providers like these deal with long-term patient relationships, complex care needs, and focus on improving functional status and quality of life. They also face strict regulatory oversight and value-based reimbursement models that link payments to outcomes and patient satisfaction.
Effective KPI tracking is crucial for post-acute care facilities to succeed. This article outlines important KPIs that post-acute care facilities should track.
Saltmarsh Announces Internal Promotions of 2025!
1/2/2025
We’re proud to announce the following internal promotions as of January 1, 2025!
Stacey Craig & Cristine Torrefranca Graduate From ConvergenceCoaching's 'Transformational Leadership Program'
12/19/2024
We are thrilled to share that director Stacey Craig, CPA, and senior manager, Cristine Torrefranca, CPA, have successfully graduated from ConvergenceCoaching’s 2023-2024 Fall Transformational Leadership Program™ (TLP).
7 Common Challenges in Healthcare Quality Improvement & How to Overcome Them
12/9/2024
Quality improvement is an essential process for post-acute healthcare organizations. It allows them to enhance resident outcomes, increase operational efficiency, and maintain financial stability. But it’s not as easy as simply deciding to improve. In fact, implementing quality improvement initiatives—and keeping the momentum going—often comes with significant challenges.
Healthcare Regulatory Compliance ConsultingHow Saltmarsh Can Help
12/9/2024
In today's healthcare landscape, regulatory compliance is crucial for operational success and resident care. Healthcare organizations face complex regulations that can be challenging to navigate. Healthcare regulatory compliance consultants provide essential guidance to help organizations be proactive about meeting standards, avoiding penalties, and improving operations in general.
The Rise of Phishing Scams in Cyber AttacksA Saltmarsh Guide to Securing Your Company Data
12/5/2024
Phishing scams have become one of the most prevalent and dangerous forms of cyber attacks. These scams often involve tricking individuals into providing sensitive information, such as login credentials or financial details, by masquerading as a trustworthy entity. The sophistication of these attacks has increased significantly, making them harder to detect and prevent.
The Importance of Stakeholder Communication for Healthcare Quality Improvement
12/5/2024
Post-acute healthcare organizations constantly strive to enhance patient outcomes, increase operational efficiency, and maintain regulatory compliance. However, many struggle to implement effective quality improvement initiatives due to a critical yet often overlooked factor: stakeholder communication. This article explores how stakeholder communication impacts quality improvement efforts and how you can leverage it to drive successful initiatives.
Process Improvement in Post-Acute HealthcareA Proactive Approach
12/5/2024
Post-acute healthcare organizations today grapple with a variety of complex challenges, including rising operational costs, increased regulatory scrutiny, and the pressing need to enhance resident care amidst staffing shortages. These issues can lead to inefficiencies, errors, and diminished resident satisfaction if not addressed proactively. Process improvement can help providers streamline operations and ensure high-quality care... read more!
Feeling Generous? Secure Your Own Financial Well-Being First!
11/20/2024
Just as airline safety instructions advise securing your own oxygen mask first, clients should prioritize their financial stability before focusing on giving. With the right guidance, clients can build a personalized plan that aligns with their life goals—including charitable giving—while reducing tax impacts and ensuring they have enough funds for their lifetime.
Skilled Nursing Providers: Review Your CMS SNF Provider Preview Reports by November 14, 2024
11/1/2024
The Centers for Medicare & Medicaid Services has released the latest Skilled Nursing Facility Provider Preview Reports for the Post-Acute Care Quality Reporting Program. If you are a skilled nursing provider, this is your opportunity to review your facility’s quality data before it goes public on Care Compare during the January 2025 refresh.
Baldrige Excellence FrameworkEverything Long-Term Care Facilities Need to Know
10/29/2024
Long-term care providers face a unique challenge: how do you deliver consistent, high-quality care while maintaining financial stability? The Baldrige Criteria for Performance Excellence, also known as the Baldrige Excellence Framework, provides a systematic approach that can help healthcare organizations sharpen leadership, achieve strategic goals and improve overall performance. In this guide, we’ll explore what the Baldrige Excellence Framework is and its potential benefits for long-term care providers.
Understanding the Updated CMS Form CMS-10055What Providers Need to Know About the Advance Beneficiary Notice of Non-Coverage
10/25/2024
The Centers for Medicare & Medicaid Services (CMS) has recently issued updates to the Advance Beneficiary Notice of Non-Coverage (ABN), Form CMS-10055. This form is critical for healthcare providers to notify Medicare beneficiaries when services they are receiving may not be covered by Medicare, and that the patient may be responsible for paying out-of-pocket.
Election Years & Their Impact on the Market: A Data-Driven Perspective
10/22/2024
As the November election approaches, it's normal for investors to become anxious about how the outcome may impact their investments. The president wields tremendous power, so it’s reasonable to assume that the election of a particular party or candidate will have a direct and significant effect on the stock market. While this is an understandable conclusion, it is not correct. In this article, we'll explore election year market trends from 1928 to 2023, to illustrate why sticking to your investment strategy is the best approach, regardless of election results.
Strategies to Reduce Manufacturing Inventory VariancesDoes your manufacturing company have inventory production variances that significantly impact the financial statements?
10/16/2024
Are you looking for ways to minimize variances, improve financial reporting, and manage the business better? The following strategies can help you update and maintain standard costs to minimize the impact of manufacturing inventory variances on the financial statements and improve financial reporting.
Tax Alert: Beneficial Ownership Information (BOI) Reporting RequirementDo you need to submit a BOI Report for your business?
10/8/2024
Effective January 1, 2024, all unregulated business entities that have domestic sales of less than $5,000,000 are required to electronically file a Beneficial Ownership Information (BOI) Report. This informational report discloses data about the business entity and its significant owners, stakeholders or officers.
Michael C. Hall Joins Saltmarsh Financial Advisors
10/7/2024
We're excited to welcome Michael C. Hall, CFP as a director at Saltmarsh Financial Advisors, LLC.
NEW Off-Cycle Reporting Requirements for SNF Medicare Revalidations
10/1/2024
Beginning in October and continuing through December 2024, CMS is requiring action from all SNF providers to report additional data on ownership, managerial, and related party information not previously required during the revalidation process. Importantly, this new requirement may dramatically expand the definition of who must be considered an additional disclosable related party.
Navigating the New CMS Skilled Nursing Facility Value-Based Purchasing Measures: Effective October 1, 2024
9/27/2024
As of October 1, 2024, the Centers for Medicare & Medicaid Services (CMS) is introducing new measures to its SNF Value-Based Purchasing (VBP) program for FY 2026 with a performance period FY 2024 (10/1/23-9/30/24), signaling a shift towards a broader evaluation of SNF performance.
Choosing an Accountant: 5 Essential Tips for Business Owners
9/26/2024
Every business needs a good accountant. You need someone who can translate your business activity into organized (and useful) financial data. Finding this person or persons can be challenging, and determining the cost-benefit of an external or internal accountant can be a difficult decision - you will be trusting someone with your sensitive data, hoping that they have the expertise to translate your business activity correctly, and needing them to be there when you cook up another strategic business move.
A Quick Guide to Percent of Completion for Long-Term Construction Contracts
9/10/2024
If you're a contractor working on projects that stretch across multiple months or years, you've probably faced the challenge of figuring out how to record revenue and expenses for tax purposes. You may have billed a customer, but does that mean you should recognize the revenue? This is where percent of completion comes in, and it can be a bit tricky to navigate—especially if you're not sure how to connect the costs incurred with the revenue earned. Let’s break it down.
The Unwinding of the Yen "Carry" Trade
9/9/2024
At the start of August, the U.S. stock market experienced an unexpectedly sharp decline, losing over 7% in just the first three trading days. While those losses were eventually recovered, many investors were left wondering what caused such a dramatic sell-off. The answer lies in something known as the "carry trade," specifically, the Yen carry trade. But what exactly is the Yen carry trade, and why did it have such a significant impact on equity markets?
Preventing Identity Theft: Tips to Protect Yourself & Your Family
8/30/2024
The recent data breach at the Social Security Administration has raised concerns about identity theft and the potential compromise of personal information. Here are some steps you can take to protect yourself and your loved ones in an increasingly digital world.
Ready to Level Up!? Our 2024 Summer Growth Challenge Recap
8/19/2024
Your Saltmarsh Family spent the summer flexing our ‘business development muscles’ during the firm’s annual Level Up competition! The entire firm split into twelve teams and went head-to-head competing for a spot on the coveted Level Up podium.
Facility Assessment Tool Updates Effective 8/8/2024
8/14/2024
New, revised guidance for the CMS Facility Assessment tool requirement (F838) is now in effect, and providers need to be prepared to avoid non-compliance. While this tool was initially designed to be reviewed annually and include information on both the resident population and the resources required to provide adequate care, additional provisions have been defined which expand the scope of the tool and impose new expectations on providers.
Saltmarsh Featured Among 2024 Best Firms to Work For
8/8/2024
As one of the largest CPA-led business advisory firms in the southeast, Saltmarsh is known for its ‘one-firm’ people-focused workplace that prioritizes professional development, culture and work-life balance. Because of that, we have been named one of Accounting Today’s 2024 Best Firms to Work For!
Saltmarsh Siren: Skilled Nursing Facility (SNF) Final Rule for FY 2025
8/6/2024
Last week, CMS issued the final rule for the skilled nursing facility (SNF) prospective payment system (PPS) for the fiscal year 2025 update. Below are some of the key highlights of the final rule:
Time Management Tips for Accountants: A Guide from Your Friendly Tax Operations Coordinator
8/5/2024
Hello, fellow number crunchers!
As an operations staff who has worked closely with accountants for a couple years now, I’ve picked up some essential time management tips that can help streamline your workflow and reduce stress. I know how demanding your job can be, with deadlines looming and clients relying on your expertise. So, let’s dive into some practical advice to help you manage your time more efficiently and achieve that elusive work-life balance.
Saltmarsh Siren: Proposed 2025 Home Health Rules
7/30/2024
The 2025 Proposed Rule for Home Health Agencies (HHAs) set forth by the Centers for Medicare & Medicaid Services (CMS) suggests significant changes for HHA providers. Continue reading to view the proposed changes.
How the Supreme Court's Decision Regarding Life Insurance Proceeds Changes the Federal Estate Tax Landscape
7/26/2024
On June 6, in Connelly v. United States, the Supreme Court ruled that the valuation of a closely held company for federal estate tax purposes must include life insurance proceeds received by the company used to redeem a deceased shareholder’s stock. This unanimous opinion has considerable implications for federal estate tax calculations and has the unfortunate potential of increasing an estate’s overall tax burden. This shift in how life insurance proceeds are treated will significantly affect corporations and their shareholders.
From the Asset-Liability Management Trenches: A Focus on Liquidity 2024
7/18/2024
Since the 2023 collapse of Silicon Valley Bank, we have observed heightened examiner scrutiny of the liquidity practices with our financial institution clients. While liquidity policies, contingency funding plans (CFP), and related reporting differ significantly among clients, we are observing “better practice” similarities and consistencies. We suggest considering the following liquidity management practices:
Saltmarsh Announces Internal Promotions 2024
7/12/2024
We're proud to announce the following internal promotions as of July 1, 2024!
Staying Busy During Summer: Saltmarsh June Highlights
7/10/2024
With busy season in the rearview mirror, June has been a vibrant and engaging month for the Saltmarsh team! Keep reading to see how we have been spending our summer…
Estate Tax Alert: Exemption Being Reduced in 2026
6/27/2024
Did you know that the current estate tax exemption will be reduced by more than 50% beginning January 1, 2026?
What this means is you have less than two years to utilize the current $13.61 million lifetime exemption (which will increase each year with inflation) to transfer assets out of your estate - tax-free.
Saltmarsh Siren: July 4th Florida Medicaid Payment Delays
6/25/2024
Attention Florida healthcare providers! Medicaid payments typically scheduled for Thursday, July 4th, will not be available until Monday, July 8th due to the Department of Financial Services being down for fiscal-year-end closing processes and the July 4th holiday.
Saltmarsh Financial Advisors Recognized as Top Wealth Advisory Firm by Accounting Today
6/20/2024
Saltmarsh Financial Advisors, LLC, has been recognized by Accounting Today as a top firm by total assets under management (AUM) for the fourth year in a row!
Beacon Summer Leadership Program 2024
6/3/2024
In May, we hosted our annual Beacon Summer Leadership series, a unique program designed for accounting students to experience what a career in public accounting is like. Now in its 8th year, Beacon attracted more than 30 students representing universities throughout the southeast for two days of leadership training and team building in our Pensacola and Tampa offices.
Unlocking the Power of ACH Compliance Reviews: Requirements and Benefits for Third-Party Senders and Service Providers
5/31/2024
The Automated Clearing House (ACH) system has become integral to electronic payments in today's fast-paced payment environment. With the increasing reliance on ACH transactions, both Third-Party Senders and Third-Party Service Providers play crucial roles in facilitating secure and efficient payment processing. These entities must undergo regular ACH Compliance Reviews annually to ensure compliance, mitigate risks, and maintain trust by December 31st. Let us explore the requirements and benefits of ACH Compliance Reviews for Third-Party Senders and Service Providers, along with examples of their roles in the financial ecosystem.
What is Dollar Cost Averaging?
5/29/2024
The S&P 500 hit a new all-time high 22 times during the first quarter of 2024. Since 1957, the index has reached a new high every 14.3 days. These higher prices are great for investors in the market, but present a hurdle for investors on the sidelines. Let’s look at how investors should approach this hurdle to get their funds invested for the future.
Cost of Capital: A Gut Check on High-Flying Stock Returns
5/10/2024
Nearly every year, a handful of securities generate headlines for delivering eye-popping returns. A challenge for investors is determining what portion of that return is a one-off windfall and not something to expect going forward. Viewing expected returns through the lens of cost of capital may help benchmark what constitutes a reasonable expected return from the market.
5 Reasons Why Your Startup Needs an Accountant
4/30/2024
You’ve finally settled on your startup idea and you’re ready to share your passion with the world… but getting an accountant before your startup officially takes off can greatly benefit your company in the short and long term. Check out the top 5 reasons why YOU need an accountant for your startup:
Saltmarsh Siren: Upcoming April & May Deadlines for Florida Skilled Nursing Providers
4/8/2024
April & May are busy months for financial compliance and particularly for Florida Skilled Nursing Providers! Check out these upcoming deadlines for financial reporting.
A Closer Look at Today's Inflation (2024 Edition): Not Out of the Woods Yet
4/8/2024
It’s March 2024 and it’s been almost 2 years since our last inflation deep dive, when inflation was at decades-long highs. Since then, the Fed aggressively raised rates to combat inflation but has recently paused as inflation slowed. Current inflation data look good in recent context, so many are hopeful the Fed will lower interest rates. However, inflation is rising at concerning rates in a few key categories, which may force the Fed to delay cuts. Let’s review the current state of inflation and areas of concern, and discuss what can be done to help reduce its impact.
Saltmarsh Welcomes Q3 Healthcare Consulting to the FirmExpands Presence in Senior Living and Post-Acute Care
4/8/2024
We are thrilled to welcome Jennifer Ziolkowski, MBA, CLSSYB, and Kelly Smith, PhD, CPHQ, CLSSBB, as directors in the firm’s existing healthcare consulting practice!
Saltmarsh Hosts 'Building Confidence': A Women-Focused Event Series
4/4/2024
Throughout 2023 and 2024, Saltmarsh Financial Advisors will host a 4-part women-focused series centered on building confidence and community around the unique financial situations individuals may face in their lives. Featured segments will focus on the central themes of navigating loss, divorce, caregiving and philanthropic giving.
Pies with a Purpose: Saltmarsh Celebrates Pi Day 2024
3/29/2024
At Saltmarsh, we take numbers seriously… especially if they involve desserts! For Pi Day 2024, our team was treated to plethora of delicious pies to celebrate the mathematical constant – but don’t ask what our favorite pie is because we’re a firm that’s split between Key Lime Pie and Peanut Butter Chocolate Pie!
The Power of Compounding in Health and Wealth
3/27/2024
Compounding is one of the most powerful forces in the world. Just ask Albert Einstein, who’s said to have called it the “eighth wonder.” The seemingly small decisions we make every day gain power over time. That’s why it’s important to take the long view and come up with a plan—in both wellness and investing—that creates momentum in the direction of our goals. Don’t squander the power of time when you can recruit it to work in your favor.
Tax Alert: New DOL Guidance on Employee or Independent Contractor Classification
3/20/2024
Are they Employees or Independent Contractors?
This is a classification question that I am asked frequently. Fortunately, recent guidance from the Department of Labor (DOL) can give us all some clarity. Many people believe that the designation of employee or independent contractor is a choice, but it is based on facts and circumstances. The following article from the DOL goes through a step-by-step process to help you determine the status of an individual.
Safeguarding Against ACH Fraud: Ten Essential Steps for Financial Institutions and Businesses
3/13/2024
As the need for faster payments increases, financial institutions and businesses face an ever-growing threat of cybersecurity risks and ACH (Automated Clearing House) fraud. ACH fraud can have devastating consequences, including substantial financial losses and irreparable damage to a company's reputation. Financial institutions and businesses must take proactive measures to mitigate the risk of ACH fraud. This article outlines ten essential steps that can help protect financial institutions and businesses from falling victim to ACH fraud and provides additional information surrounding the topic.
Exciting Returns May Not Be Expected Returns
3/13/2024
It is natural for investors to want more exposure to last year’s top-performing market segment. The challenge is determining what portion of that return was a one-off windfall and not something to expect going forward. Viewing expected returns through the lens of cost of capital may help benchmark what constitutes a reasonable expected return from the market.
The Dos and Don'ts of Credit Cards: How to Use Them Wisely
3/4/2024
Credit cards can be a powerful tool in your financial toolkit. Using them properly can help build credit and provide exciting rewards. As is the case with most powerful tools, improperly using it can cause significant harm. This article will discuss some do's and don'ts of credit card use.
ICYMI: An Important Reminder About the CRA Public File, and More
2/28/2024
As many of you are still digesting the CRA Modernization final rule that was published in the Federal Register February 1 of this year, it is important not to take for granted that many of the mandatory compliance dates are not effective until January 1, 2026. It is also more dangerous than not to expect that the recent filing from various trade groups challenging the legality of the rule itself will simply make this all go away. The effective date of the final rule is April 1, 2024, and you need to be ready for certain provisions that will become mandatory on this day. Two provisions require immediate action, one of which applies to all banks, regardless of size.
Dimensional Fixed Income Trading: Price Is Our Priority
2/26/2024
Trade executions prioritize among three key parameters: price, quantity, and timing. Dimensional’s top trading priority is price. It is the focal point throughout our investment process, given that prices incorporate the aggregate views of market participants, and that differences in prices have significant explanatory power for differences in expected returns. In fixed income, we use current market prices to calculate expected returns, to determine the most attractive term, credit, and currency positioning, and to monitor credit quality in real time. Our fixed income trading process has also been designed with the goal of realizing competitive pricing to help lower transaction costs and to potentially capture the targeted return premiums.
Four Metrics Your Construction Company Should Start Tracking Today
2/22/2024
Key performance indicators (KPIs) are used to evaluate the success of an organization or a particular activity in which it engages. They supply a quantifiable way to track and assess progress toward strategic goals. The choice of KPIs is crucial, as it helps organizations focus on the most important aspects of their performance.
Magnificent 7 Outperformance May Not Continue
2/19/2024
The Magnificent 7 stocks continue to capture the focus of investors as these large growth names have outpaced the bulk of global equities. Their outperformance is notable because eye-popping returns for top stocks tend to occur before they reach the top of the market. Once there, subsequent returns tend to lag the market.
Saltmarsh Awarded 2024 Best of Accounting
2/9/2024
We're excited to announce that we have won ClearlyRated's Best of Accounting® Award for providing superior service to their clients for the second year in a row!
