Saltmarsh Financial Advisors, LLC

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.

When planning for retirement, most people focus on building wealth. But have you considered how you'll protect it if lon...
07/21/2026

When planning for retirement, most people focus on building wealth. But have you considered how you'll protect it if long-term care becomes part of your future?

In her latest blog, Christina Doss, AAMS®, explores one of the most overlooked risks in retirement planning: the potential cost of long-term care. From understanding today's care options to evaluating how long-term care insurance has evolved, Christina shares practical insights to help individuals and families prepare with confidence.

Planning ahead isn't just about protecting your retirement assets, it's about preserving your independence and reducing the burden on those you love. If you needed long-term care tomorrow, would your retirement plan be ready?

Read more: https://hubs.li/Q04q2CYw0

For many successful individuals, there comes a point when wealth begins to represent something more than financial succe...
07/08/2026

For many successful individuals, there comes a point when wealth begins to represent something more than financial success.

In this latest blog, Pierce Broscious, CFP explores how legacy planning extends beyond estate documents to include the values, purpose, and conversations that help shape the impact your wealth can have for generations to come.

Whether you're beginning to think about your legacy or revisiting an existing plan, asking the right questions today can help ensure your intentions are reflected tomorrow. What do you want your wealth to say about you after you are gone? Read more: https://hubs.li/Q04nQkP70

This , we recognize and celebrate the individuals, perspectives, and experiences that enrich our communities and workpl...
06/28/2026

This , we recognize and celebrate the individuals, perspectives, and experiences that enrich our communities and workplaces. At Saltmarsh Financial Advisors, we believe that fostering an environment where everyone feels valued, respected, and supported helps us all grow stronger together. 💛

Accessing liquidity doesn’t always have to mean triggering capital gains. For individuals and business owners with highl...
06/09/2026

Accessing liquidity doesn’t always have to mean triggering capital gains. For individuals and business owners with highly appreciated assets, thoughtful planning can create flexibility without unnecessary tax consequences. In this piece, Michael Hall, CFP explores strategies that help unlock liquidity while preserving long-term value and keeping your overall financial plan intact.

Because the goal isn’t just access to capital—it’s doing it in a way that keeps more of it working for you. Read more on how strategic planning can create options without costly tax tradeoffs: https://hubs.li/Q04kMGpX0

Women often face unique financial challenges throughout their lives, from career transitions and caregiving responsibili...
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

Mega-IPOs are back in the headlines, but history reminds us that big valuations don’t always translate to strong first-d...
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

Our team is dedicated to providing personalized, professional guidance that helps clients make confident financial decis...
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!

Something new is coming from our team. We’re launching a new , Integrated Wealth Perspectives, focused on real conversa...
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.

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

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