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Service Spotlight: 2,000 Hours & Counting!

10/18/2019

We have officially broken the 2,000-service hour threshold! Let’s look back at some of the projects that helped us reach our community service goal...

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FASB New Lease Standard Quick Reference Guide

10/15/2019

In February 2016, the Financial Accounting Standards Board issued the new leasing standard in the Accounting Standards Update 2016-02. FASB has recently voted to delay implementation of the standard for small reporting companies, non-SEC public companies, and private companies to 2021. Saltmarsh has assembled a quick reference guide to help readers gain a basic understanding of lessee accounting under the new standard. 

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End of Life in Less Than 6 Months!

10/4/2019

There is nothing scarier than learning that your favorite computer systems will be ending. Beginning January 2020, Windows 7, Windows Server 2008, and Windows 2008 R2 will no longer be supported. Learn more about what this means and how to prepare for the Windows end of life.

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Saltmarsh Hosts 14th Annual Community Bank Events in Tampa

9/25/2019

In conjunction with our 75th Anniversary celebration in Tampa, the Bank Advisors at Saltmarsh proudly hosted their 14th Annual Community Bank Events! Designed to cover the essential areas of regulatory compliance, IT, executive and strategic management, the series offers a comprehensive view of what is impacting community banks throughout the region. 

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WEBINAR: "PDPM - Ready or Not, Here it Comes!"Join us for a free PDPM webinar!

9/10/2019

As the October 1st deadline rapidly approaches, the Saltmarsh Healthcare Consulting team has put together a two-hour webinar. This free webinar will be held on Friday, September 20th, from 10:00 am - 12:00 pm. 

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Timing Isn't Everything

8/28/2019

A neighbor or relative might ask about which investments are good at the moment. The lure of getting in at the right time or avoiding the next downturn may tempt even disciplined, long-term investors. The reality of successfully timing markets, however, isn’t as straightforward as it sounds.

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NACHA Update: Providing Faster Funds Availability Rule

8/23/2019

Effective September 20, 2019, the Faster Funds Availability Rule will provide faster funds availability for many ACH credits. This new Rule increases the speed of funds availability for certain Same Day ACH and next-day ACH credits. Read more about the steps you need to take and how you can get assistance.

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Service Spotlight: Back-To-School Supply Drive

8/13/2019

We got in the back-to-school spirit with a month-long School Supply Drive benefitting Guardian ad Litem circuits in our local areas!  

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Gearing Up for the CPA Exam

8/9/2019

We all know that passing the CPA exam can be difficult, but the personal and professional rewards are well worth it. Check out these six tips to help you time manage your studying in the weeks leading up to the big day! 

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The One Where Saltmarsh Goes '90sAnother Busy Season in the Books!

8/7/2019

We sang “Candle in the Wind” to the 2019 “busy season” with a ’90s themed party to celebrate the hard work and dedication of our team!

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Service Spotlight: Building a Better Community

7/23/2019

When we set out to contribute 1,944 service hours in honor of our founding year, we thought it would take the entire year to complete… but at the rate we’re going, we will surpass our goal in no time! Check out the service projects we worked on in the month of June.

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Elder Financial Exploitation by the Numbers

7/11/2019

With the dedicated Elder Abuse Prevention Month of June behind us, it is important to not rest on your laurels. Elder financial abuse and exploitation quadrupled from 2013 to 2017. See what financial institutions have reported and the steps they take to protect this vulnerable group.

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The Young Professional's Guide to Networking

7/9/2019

While technical skills in any job are extremely important, networking is a large part of making businesses go ‘round. Check out these tips and tricks that will sharpen your skills and turn you into the networking professional you were born to be.

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An Important Resource from the FDIC

7/2/2019

For those of us “Compliance Geeks,” the recent release of the FDIC’s June 2019 Consumer Compliance Supervisory Highlights publication is like getting the very first copy of the newest book on the Best Seller list. Check out what high-level consumer compliance activities passed examinations and those that fell short.

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Staying Ahead of Change

6/28/2019

Organizations thrive on the transformative nature of technology. But how can accounting professionals and business leaders provide excellent service while the rules of the game keep changing?

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NACHA Update: Return for Questionable Transaction Rule

6/24/2019

Staying in compliance can be challenging, but staying up to date doesn't have to be. Check out what NACHA rule just came into effect and how you can get assistance.

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Gone Phishing? Tips to Avoid Email Compromise

6/20/2019

Securing your email environment is one of the most cost-effective ways to prevent yourself from becoming a part of a phishing scam. Check out these tips to avoid email compromise with Office 365 to protect you and your company. 

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Beacon: Summer Leadership ProgramMay 29th - 30th, 2019

6/18/2019

On May 29th, Saltmarsh hosted 11 accounting students from various universities in the southeast for our Beacon Summer Leadership Program. The students joined us at the Pensacola office to take part in this 2-day event with the goal to leave with the skills to navigate life after college in the professional workplace. 

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Service Spotlight: Celebration of 1,000+ Service Hours!May 2019

6/10/2019

The month of May was especially busy for our Saltmarsh team and consisted of several service projects which resulted in a huge jump toward our community service goal... 

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Bring Your Dog to Work Day!

5/28/2019

Last Friday was paws-itively the best way to kick-off Memorial Day weekend when the fur-babies of Saltmarsh infiltrated our Pensacola and FWB offices for “Bring Your Dog to Work Day!” 

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Saltmarsh Financial Advisors Host 6th Annual Night at the Ballpark

5/24/2019

It was a beautiful day at the ballpark on May 16th when Saltmarsh Financial Advisors hosted their 6th Annual client appreciation night at the Pensacola Blue Wahoos!

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The Latest on PDPM

5/10/2019

Have you heard the latest on PDPM from CMS? CMS recently spoke to SNFs in St. Louis on May 7-8, 2019 on MDS 3.0, QRP and PDPM and we were there to bring you the latest!

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Service Spotlight: Helping Hands Happy HourApril 2019

4/30/2019

Our team has been working hard to reach our goal of 1,944 community service hours through various service projects across the region and for the month of April, our service project of choice benefited Manna Food Pantries! 

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Submission Deadlines for FRVS Survey Data

4/29/2019

DUE APRIL 30, 2019: Submission of updated FRVS survey data to AHCA. The FRVS survey data will be used to calculate your 10/01/2019 FRVS rate.

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Using HMDA Data to Identify Fair Lending Risk

4/12/2019

After you have had a chance to catch your breath from this whirlwind year of regulatory adjustments to the HMDA regulations, you may want to consider using the data to evaluate the potential for fair lending issues.  

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The Value of Mentoring: Mentorships Drive Success

3/25/2019

Have you ever been in a mentor-mentee relationship that exceeded expectations? Did you grow beyond the parameters of the mentorship? Many mentor-mentee relationships are far from one-sided, in fact, they have room to be as multi-dimensional as you let them be with a give and take approach.

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Service Spotlight: Say Yes to Your DressFebruary & March 2019

3/15/2019

Saltmarsh has embarked on a mission to contribute 1,944 hours of community service in recognition of our founding year, 1944. For February and March, our service project of choice benefited the GFWC South Baldwin Women’s Club!

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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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Learning from the CFPB's 2018 Fair Lending Report

3/1/2019

In December 2018, the Consumer Financial Protection Bureau (the ‘Bureau’) released its annual Fair Lending Report, covering its fair lending-related activities during 2017. The report includes a listing of the most common Equal Credit Opportunity Act (ECOA)/Regulation B violations, that may serve as a checklist for reviewing your own institutions’ processes.

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The Value of Mentoring: Finding What Works for You

2/25/2019

When it comes to learning and growing as a professional, there is no true “one size fits all” approach that works for everyone. We asked members of our Business Development program to share the single most important thing they have personally learned as a mentor or mentee. 

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Acceptance of Private Flood InsuranceFrequently Asked Questions

2/18/2019

The long-awaited final rule regarding the acceptance of private flood insurance policies has been released. The rule, effective July 1, 2019, requires regulated lending institutions to accept policies that meet the statutory definition of “private flood insurance." We have received and answered several questions regarding the final rule and want to share these here with the assumption that other industry participants have the same questions.

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How to Create a Meaningful Company Slogan that Sets Your Brand Apart

2/18/2019

A branding success story and a role model for all organizations seeking to define and differentiate themselves in the marketplace.

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NCUA Priorities for 2019

2/8/2019

The National Credit Union Administration (NCUA) has outlined their primary areas of supervisory focus for 2019, in its Letter to Credit Unions. 

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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 Teams Increase Charity Work As Part of 75th Anniversary Effort to Make a DifferenceDay of Service | January 11, 2019

2/1/2019

As 2019 began, Saltmarsh completed its celebration of Culture Week, a company-wide event highlighting days of honesty and integrity, quality service, creativity, and respect. The week ended in a service day honoring the firm’s guiding principle, “achieving success by contributing to the success of others.”

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Safe Harbor Rules for Rental Real Estate

1/30/2019

IRS issued a flurry of guidance regarding Section 199A Qualified Business Income and Deduction on Friday, January 18th. One such item was Notice 2019-07, a proposed revenue procedure that creates a safe harbor rule for treating certain rental activities as a trade or business for §199A purposes.

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Nicole Fife Completes FICPA Emerging Leaders Program

1/28/2019

We would like to congratulate Nicole Fife, CPA for graduating from the Florida Institute of CPAs Emerging Leaders Program.

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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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The Future Updates to Your Retirement Plan

1/24/2019

For a Plan Sponsor, the administration and oversight needed when a Participant requests a distribution can be daunting. As a Third-Party Administrator, we provide the tools, knowledge, and technical skills needed to help dissolve any confusion that may come from administering a 401(k) Plan. 

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Michael Egan Earns Certified Public Accountant Designation

1/15/2019

We are excited to announce that Michael Egan has officially been designated as a Certified Public Accountant (CPA).

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The CFPB: New Year, New Leader

1/10/2019

Now that the holidays are officially over its time to settle back into real life. Some of us do this more optimistically than others. Perhaps it depends on what your challenges are ahead. One thing seems certain; Kathy Kraninger, the new head of the Consumer Financial Protection Bureau (CFPB) has her work cut out for her. 

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Firm Hosts Culture Week Kickoff for 75th AnniversaryHonesty & Integrity Day | January 7th

1/7/2019

With this New Year comes an exciting milestone for Saltmarsh. In 2019, we are proud to celebrate the firm's 75th Anniversary with a focus on client appreciation, increased charitable work, employee enrichment, community engagement and planning for future generations of success. On January 7th, our offices gathered to kickoff our 75th Anniversary by coming together to celebrate our core values with Culture Week.

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Saltmarsh Marks 75th Anniversary in 2019Celebrating client, firm and community successes since 1944!

1/3/2019

Year-long festivities will feature focus on charitable work, client appreciation, employee enrichment, reflection on the firm's legacy and planning for future generations of success.

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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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Saltmarsh Celebrates the Holidays!

12/21/2018

It's the most wonderful time of the year! On Friday, December 14th, our Pensacola office had the time of their lives celebrating the end of the year. Our Tampa office got in on the festivities at a local restaurant with great food and even better company.

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Bonnie Hubmann Adds Certified Anti-Money Laundering Specialist to Her Credentials

12/17/2018

We are happy to announce that Bonnie Hubmann has officially been designated a Certified Anti-Money Laundering Specialist (CAMS) through the Association of Anti-Money Laundering Specialists (ACAMS).

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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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Destini Cooper Earns Qualified 401(k) Administrator Designation

12/4/2018

We are proud to announce that Destini Cooper has officially been designated a Qualified 401(k) Administrator (QKA) by the American Society of Pension Professionals & Actuaries (ASPPA).

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Saltmarsh Featured Speakers on BDO Monthly Healthcare Call

11/30/2018

On November 14, 2018, our very own Claudia Reingruber and Andrew Kent had the privilege to present at BDO's monthly Alliance Healthcare Calls.

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2018 Tax Planning Guides Are Now Available for Individuals and Businesses

11/29/2018

The Tax Cuts and Jobs Act (TCJA) has significatly changed the U.S. tax system. While this time of year is often busy, we encourage you not to overlook year-end tax planning. Our experienced team of tax advisors and consultants can help you develop a strategy tailored to your specific needs. To help get you started, we have provided the Tax Planning Guides.

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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 Celebrates Thanksgiving with Annual Feast

11/15/2018

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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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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CFPB Delivers Rulings on HMDA Relief

10/31/2018

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

10/22/2018

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

10/19/2018

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

10/18/2018

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?

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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Saltmarsh Practices Building and Landscaping for United Way Day of Caring

10/8/2018

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

10/4/2018

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

10/3/2018

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

10/2/2018

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?

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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Howdy Partners! IRS Partnership Audit Rules Have Changed

9/13/2018

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

9/6/2018

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

9/6/2018

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

8/30/2018

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

8/22/2018

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

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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Saltmarsh Tax Teams Hit the Lanes and Links

8/14/2018

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!

8/9/2018

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

8/2/2018

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

7/30/2018

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

7/26/2018

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

7/19/2018

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

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

7/5/2018

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

6/27/2018

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)

6/21/2018

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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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

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