Resource HubPosts By Category

Lessons Learned: Losing a Loved One


This might sound dark, but there is no greater certainty in life than death. As financial advisors, part of our jobs 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. 

Read Full Article

A Primer on Medicare


Healthcare is one of the most important expenses to consider as individuals approach retirement. In the U.S., any citizen over the age of 65 is eligible to receive Medicare benefits. Just like Social Security, Medicare funding happens directly through your paycheck. Though most of us have been contributing to Medicare since our first job, it’s not a program we think much about until we approach retirement.

Read Full Article

Digital Assets and 21st Century Estate Planning


Today, more than ever, our daily routines are intertwined with a digital world that didn’t exist that long ago. Collectively, we wake up and check our phones. “For missed calls”, you ask? No, for every reason except actual phone calls. Maybe you want to look at last night’s photos, or check your emails, or check out your crypto wallet or just check in on social media. Whatever the reason, your phone has become the gateway to your life. Welcome to the 21st century! But what happens to your digital life when you’re no longer physically alive? The answer has a lot to do with the preparations you’ve made before you pass. 

Read Full Article

Webinar Recording: Foundations of Financial Stability


When you hear the words financial goals, what comes to mind? Perhaps you’re thinking about big goals like buying a home or paying off student loans. While it’s important to have financial goals, it’s more important to have a solid foundation and plan for achieving them. Access webinar materials here!

Read Full Article

8 Tips to Kickstart Your Savings & Investment Strategy


Saving money is a critical component of a successful financial plan. If you don’t know how to begin managing your money, setting up a savings plan is a great way to start. Here are eight tips to kickstart your saving strategy!

Read Full Article

Student Loan Debt Cancelation


On August 24, 2022, President Joe Biden announced his administration’s plan to reduce student loan debt for millions of Americans. The plan consists of three parts: Targeted debt repayment relief, improving the loan system for current and future borrowers and reducing the cost of college by holding schools accountable for rate hikes. While all three parts are relevant, I am going to focus on targeted debt repayment relief – or said more clearly: Student Loan Debt Cancelation. 

Read Full Article

How to Build a Budget to Boost Your Savings


October 12th is National Savings Day – a day to celebrate savings across the nation and reflect on the importance of maintaining healthy financial habits. A disciplined savings strategy is the foundation for building wealth, and often, the impact of saving a small amount consistently over time is underestimated.

Read Full Article

Pierce Broscious Earns Certified Financial Planner™ Designation


We are excited to announce that Pierce Broscious has officially been designated as a Certified Financial Planner. Pierce’s diligence has paid off as he has completed and passed the seven-course curriculum and final exam to earn the CFP® designation!

Read Full Article

The Difference Between a Forecast, a Wish and a WorryA Perspectives Blog from Dimensional Fund Advisors


After decades of cable news and nonstop digital postings, I see more opinions these days than news. That’s not a bad thing. But when it comes to investing, it’s crucial to remember the difference between news and opinion, and how they are sometimes used to forecast the future.

Read Full Article

Saltmarsh Financial Advisors Client Portal Tutorial


Saltmarsh Financial Advisors is pleased to present our Client Portal Tutorial video! 

Read Full Article

Flexible Practices in Bond TradingA Video from Dimensional Fund Advisors


Being selective about when to buy and sell securities can lead to better execution prices - and better returns for investors.

Read Full Article

Bonds 101What Are Bonds?


In the past six months, there have been many discussions about the bond market. The classic portfolio is made up of 60% equities and 40% fixed income and cash, and for the first time in decades, stocks and bonds are both down at the same time. Why is that?

Read Full Article

Halfway Through the Year, Here's What You Should KnowA Letter to Our Clients


After growing 90% the prior three calendar years, as of the writing of this letter, the U.S. Stock Market has posted a YTD return of -21%, International Developed Markets -19%, and Emerging Markets -16%. Why? In one word: Inflation. More specifically rising oil and gas prices, food costs, housing, and the rippling effects of 2021’s headlines: additional stimulus, lingering supply chain issues, job vacancies, and a hangover from the Great Resignation along with heated 2022 midterm elections.

Read Full Article

Extra, Extra! Why Financial Headlines Shouldn't Drive Your Investment Decisions


Alarming financial headlines can challenge investors’ resolve as they weigh their options. It’s tempting to question your approach and reverse course in the face of market adversity, like switching lanes in standstill traffic. Yet evidence has continually shown that investors who remain disciplined during market selloffs benefit from future market gains by staying committed to their financial plan. 

Read Full Article

Saltmarsh Financial Advisors Once Again Recognized as Top Wealth Advisory Firm by Accounting Today


Saltmarsh Financial Advisors, LLC is honored to be recognized by Accounting Today as a top firm by total assets under management (AUM) once again!

Read Full Article

The Cost of Trying to Time the MarketFrom Dimensional Fund Advisors


In periods of uncertainty, the decision to do something rather than do nothing is compelling. This compulsion drives investors to sell stocks as the markets are going down and is challenging to ignore. However, research has shown that even being out of the market for a short time can be profound.

Read Full Article

The Silver Lining of Today's Inflation


Five months into the new year, it’s clear that 2022 will be just as unpredictable as the last five years have been. At the present moment, the S&P 500 Index (Large US Stocks) is down almost -14% on the year. The Bloomberg Barclays Aggregate Index (US Bond Market) is down -10% on the year. Inflation has persisted and has forced the Federal Reserve to tighten the money supply. Though the challenges investors face this year are substantial, it’s important to keep in mind a few things.

Read Full Article

Market Behavior and the WeatherA Video from Dimensional Fund Advisors


What can the weather teach us about investing in the stock market? If you had to live somewhere for the next 30 years, would you choose the location based on a day’s weather or the prevailing climate of the region? 

Read Full Article

Inflation and The Federal Reserve


Inflation is one of the most discussed topics in the media and around the water cooler today. The most widely reported measure of inflation is the Consumer Price Index, or CPI. Last month, the CPI increased year over year at an annualized rate of 8.5%. That’s up from 7.9% in February and 7.5% in January.

Read Full Article

You Have Your Tax Refund... Now What?


This blog has been updated on 4/19/2022 from its original publishing on 3/31/2017.   

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

Read Full Article

Webinar Materials: The Impact of Major Events on Markets Over Time


What insights can we glean from examining similar events in history? What was their impact on markets? Should we make any changes in investment strategy?

Read Full Article

Why Should You Have a Financial Advisor?A Video from Dimensional Fund Advisors


Kenneth French and Eugene Fama sat down with Dimensional Fund Advisors founder David Booth to discuss the importance of having a financial advisor regardless of your financial competency. 

Read Full Article

Fiduciary vs Suitability: Finding Qualified Advisors


Knowing you need financial help and actually receiving good help can be challenging if you don’t know what to look out for. So how do you find a qualified financial professional who will put your goals ahead of their own?

Read Full Article

A Disciplined Investment Strategy


It’s important to have a disciplined investment strategy in place when investing. Reacting to short-term market swings by making dramatic portfolio changes will inevitably lead to a more stressful investing experience.

Read Full Article

Markets: In or Out?


Looking back at 2021, we learned the valuable lesson of establishing a strategy and staying invested. Since the pandemic started in March 2020, there has been no shortage of bad news. However, equities had a calendar year return of 21% in 2020, and markets followed up with an equity return of 26% in 2021. When it looked like it was a time to panic, getting out of the market would have been one of the worst moves. Now, 2022 brings a new set of challenges.

Read Full Article

Past Posts By Category

Contact Us

(850) 243-6713

(407) 203-8990

(615) 661-0885

(850) 435-8300

(813) 287-1111
(800) 477-7458

2022 Saltmarsh, Cleaveland & Gund • Privacy Policy

Stay Connected

Sign up to receive updates and important information from Saltmarsh!