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Monday 8am - 5pm Tuesday 8am - 5pm Wednesday 8am - 5pm Thursday 8am - 5pm Friday 8am - 5pm

Saltmarsh Financial Advisors, LLC

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United States
Pensacola, FL
Saltmarsh Financial Advisors, LLC

We are an independent, fee-only financial advisory firm. We serve as a fiduciary to our clients, put

Saltmarsh Financial Advisors, LLC is an independent investment advisory firm focused on providing tax-efficient, low-cost wealth management solutions based on our clients’ best interest. Our experienced team of fiduciaries has decades of industry experience in providing cash-flow based financial planning and industry-leading state-of-the-art portfolio design with an investment philosophy based on

Nobel Prize recognized research. Our mission statement, “Achieving Success by Contributing to the Success of Others,” is core to our client approach. Saltmarsh Financial Advisors is an affiliate of Saltmarsh, Cleaveland & Gund, one of the largest CPA-led business advisory firms in the Southeastern U.S. At Saltmarsh, we strive to fully understand your personal situation and build a customized solution to help you reach your goals. To create a solid financial plan, we start by developing a clear understanding of your goals and objectives. We utilize technology to assist our clients in making more informed decisions. We then implement and maintain the recommendations, meeting regularly to ensure the plan remains consistent with your needs.

06/04/2026

Women often face unique financial challenges throughout their lives, from career transitions and caregiving responsibilities to longer life expectancies and wealth transfer decisions. That's why financial planning isn't one-size-fits-all.

In the latest episode of Giving Value to Your Money, Why Women Need a Different Financial Plan, our team, Christina Doss, AAMS (Partner), Sarah Horne, CFP (Associate Financial Advisor), and Michael Hall, CFP (Managing Director), discuss the importance of trust, stewardship, and building financial strategies around each client's unique goals and circumstances. Listen to the full conversation here: https://hubs.li/Q04k4ZB20

05/14/2026

Mega-IPOs are back in the headlines, but history reminds us that big valuations don’t always translate to strong first-day or long-term performance. From SpaceX to OpenAI, the hype is real, but so is the data: IPOs have historically underperformed once they hit public markets.

We stay focused on what doesn’t change, fundamentals over fanfare, discipline over headlines. Curious how mega-IPOs like SpaceX, OpenAI, and Anthropic could impact markets: https://hubs.li/Q04gDR_60

05/11/2026

Our team is dedicated to providing personalized, professional guidance that helps clients make confident financial decisions every day. Through thoughtful planning, disciplined strategies, and a long-term perspective, they deliver advice designed to support each client’s unique goals and financial future.

A special shoutout to our team for their professionalism, consistency, and commitment to delivering trusted advice that helps clients feel confident at every stage of their financial journey. Learn more about the team behind this work: https://hubs.li/Q04g7cfY0

05/05/2026

We’re live! The first episode of our , Integrated Wealth Perspectives, is now available 🎙

In our debut episode of ‘Giving Value to Your Money, Why Women Need a Different Financial Plan,’ Sarah Horne, CFP, Christina Doss, AAMS, and Michael Hall, CFP, bring real conversations around , , and the decisions that shape your future.

From navigating uncertainty to planning with purpose, we break down how thoughtful decisions today can create long-term impact. We’re excited to share this with you.

Podcast available on YouTube, Spotify, and Apple Podcasts. Listen to the first episode here: https://hubs.li/Q04fq44V0

04/30/2026

is about more than numbers, it’s about the conversations behind them. The decisions, priorities, and goals that shape what you’re really working toward.

Here's a sneak peek from our new podcast, Integrated Wealth Perspectives, featuring Sarah Horne, CFP, Christina Doss, AAMS and Michael Hall, CFP, bringing those conversations to life in a new way.

Episode 1 is all about 'Giving Value to Your Money, Why Women Need a Different Financial Plan'.

Preview Now: https://hubs.li/Q04f1ZNk0
*Full episode launching, May 5th!

04/23/2026

Something new is coming from our team.

We’re launching a new , Integrated Wealth Perspectives, focused on real conversations around , life goals, and the decisions that shape your future.

04/02/2026

This isn’t the “new” normal, it’s the old normal. Market volatility may feel unsettling, but history tells a different story. Periods like what we saw in Q1 aren’t unusual; they’re expected. In fact, the S&P 500 has experienced an average intra-year drawdown of ~14% since 1980, yet nearly 75% of years still end positive.

Volatility isn’t a warning sign; it’s part of the process. The real risk isn’t the downturn, it’s how investors respond to it. Staying invested, focusing on long-term strategy, and avoiding emotional decisions have consistently been the difference between missing out and building lasting returns.

03/11/2026

Please join us in welcoming Jeff Crouse, CFP, as a Financial Advisor with Saltmarsh Financial Advisors! 🎉 Jeff brings extensive experience in financial planning, portfolio management, and investment strategy, working closely with individuals, families, and small businesses to help them achieve their financial goals.

We’re excited to have Jeff on board and look forward to the impact he’ll make in helping clients navigate their financial futures, while living out the . Please join us in giving Jeff a warm welcome! 👏 Read more: https://hubs.li/Q046l9gm0

01/14/2026

Scammers don’t look like scammers anymore. Today’s financial fraudsters sound professional, informed, and convincing. Knowing the warning signs can help protect your financial security before real damage occurs. 👉 Read our latest blog to learn how modern scams work, where they show up, and what to do if something doesn’t feel right: https://hubs.li/Q03-KNlZ0

01/01/2026

We’re grateful for the moments and milestones that shaped 2025 and excited for what lies ahead in 2026. Here’s to growth, opportunity, and continued success together.

Address

900 N 12th Avenue
Pensacola, FL
32501

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

http://www.saltmarshfa.com/

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