Resource HubPosts By Category

Building Confidence: A Woman-Focused Event Series


Over the next couple of months, Saltmarsh Financial Advisors will host a 4-part woman-focused series centered on building confidence and community around the unique financial situations individuals may face in their lives. Each session will focus on the central themes of navigating loss, divorce, caregiving or philanthropic giving. 

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Dimensional Ranked #1 in Barron's Best Fund Families of 2022


Saltmarsh Financial Advisors is thrilled to share that our investment partner, Dimensional Fund Advisors, has been recognized as Barron's No. 1 "Best Fund Families of 2022!" 

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Christina Doss Receives "Woman in Business" Award


We are proud to announce that Christina Doss, AAMS®, Investment Advisory Services Shareholder and Managing Director of Saltmarsh Financial Advisors, LLC, was honored as recipient of the Woman in Business, For-Profit Award at the Junior League of Pensacola’s Women’s Empowerment Awards on Wednesday, March 8th. 

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Two Steps Forward, One Step Back for InvestorsA Perspectives Blog from Dimensional Fund Advisors


Consider everything investors have been through in recent years: a global pandemic, rapid inflation, war in Europe, and volatile stock and bond markets. It’s reasonable to feel uneasy in the face of so much uncertainty.

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SECURE Act 2.0What You Need to Know


As the final days of 2022 drew to a close, US lawmakers passed an omnibus spending bill authorizing $1.7 trillion in government spending. Included within the bill was a retirement-focused bill dubbed SECURE Act 2.0. The name references the original SECURE Act, which was passed almost three years ago to the day.

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Which Country Will Outperform? Here's Why It Shouldn't Matter.A Perspectives Blog from Dimensional Fund Advisors


Investors can benefit from understanding that they don’t need to predict which countries will deliver the best returns during the next quarter, next year, or next five years. Why?

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2022: A Year to Forget?


At the end of each year, we like to reflect on what transpired in the previous 12 months. The general tenet of last year’s article was that it was a year to remember for investors as stocks soared again. In contrast, this year was one many investors would like to forget. While we recognize the challenges this year brought, we feel it’s important to look back at what made this year so historic.

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What Happened with FTX?


Recently, my wife was scrolling through an online news site and asked me: “What happened to bitcoin?” She showed me a headline that read, “Crypto exchange FTX files for bankruptcy.” I told her that the bankruptcy of FTX ultimately amounted to a simple explanation: FRAUD. 

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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. 

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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.

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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. 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. 

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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!

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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!

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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. 

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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.

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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!

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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.

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Saltmarsh Financial Advisors Client Portal Tutorial


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

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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.

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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?

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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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