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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.

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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. 

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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!

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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.

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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.

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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? 

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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.

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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. 

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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?

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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. 

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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?

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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.

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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.

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When Will We Be Able to Get Back to Normal?A Perspectives Video from Dimensional Fund Advisors


Almost two years ago, a global pandemic upended our way of life. In 2020, Dimensional Founder and Executive Chairman, David Booth, spoke about 'Righting the Ship' to address the question, “When will we be able to get back to normal?”

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2021: A Year to Remember


We hope you and your families enjoyed the holiday season and are excited for this new year. Managing your investments is a responsibility we don’t take lightly, and we want to continue to help you make sound financial decisions for many years to come. Part of our responsibility is to keep you informed as to what’s going on in the financial markets. 2021 was filled with some noteworthy moments, yet these moments did very little to negatively impact the US stock markets. 

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Six Year-End Portfolio Planning Conversations


The end of the year is fast approaching! But before you say goodbye to 2021 and hello to 2022, here are a few conversations you should have with your CPA and Financial Advisor before December 31. 

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Saltmarsh Named One of Forbes' Top Recommended U.S. Tax and Accounting Firms


We are excited to have been chosen by industry peers for the third time in a row as one of Forbes’ 2022 Top Recommended Tax and Accounting Firms in the U.S. “It is an honor to have the firm recognized for our tax and accounting services for three consecutive years,” said Lee Bell, CPA, Saltmarsh president. 

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The Importance of a Personal Budget


Family roles have evolved over the years, but it’s still common to see households where one person manages the finances while the other partner is less hands-on. When circumstances change due to death or divorce, the remaining spouse or partner has a new world of responsibilities placed on them during a time of high emotional stress.

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2021 Year-End Tax Planning Webinar Series


As another taxing (no pun intended) year comes to an end, business owners and individuals are seeking opportunities to maximize their savings through year-end tax planning. There are many beneficial strategies out there to position oneself for success in the new year and the tax experts at Saltmarsh are here to provide clarity in a multi-part webinar series. Learn more and register!

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The Importance of a Financial Advisor After Death or Divorce


Sometimes in life, we’re faced with challenging transitions. Few are as difficult as divorce or the death of a spouse. During these challenging times, a competent financial advisor can be invaluable. 

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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. 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. 

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Crypto: Currency or Investment?A Perspectives Video from Dimensional Fund Advisors


In this video (from June 22, 2021) moderated by Regional Director Courtney Scott, Philipp Meyer-Brauns, PhD, Head of Investment Solutions Analytics and Vice President at Dimensional, discusses the volatility associated with bitcoin and evaluates whether the cryptocurrency has an expected return, can mitigate investment uncertainty, or could be used to meet short-term liquidity needs. He also analyzes the role bitcoin could play in investment portfolios.

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Cryptocurrency - It's Time to Acknowledge the Elephant in the Room


I never thought I would write about cryptocurrency, but with a current global market cap of $2.24 trillion, it doesn’t really matter what I might think about it anymore. There is simply too much money in this space to ignore it any longer.

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Saltmarsh Named Best Accounting Service and Best Financial Planning by Tampa Bay Times


We are honored to be recognized by the Tampa Bay Times as a 'Best of the Best' Best Accounting/Tax Service! We are also so excited for Saltmarsh Financial Advisors, LLC, who was also named a 'Best of the Best' Best Financial Planner in Tampa Bay!

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Saltmarsh Financial Advisors 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)!

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