Saltmarsh Financial Advisors, LLC

Today, we remember and honor the lives lost on 9/11, their families, and the heroes who bravely responded. We will never forget.

At the start of August, the U.S. stock market experienced an unexpectedly sharp decline, losing over 7% in just the first three trading days. While those losses were eventually recovered, many investors were left wondering what caused such a dramatic sell-off. The answer lies in something known as the "carry trade," specifically, the Yen carry trade. But what exactly is the Yen carry trade, and why did it have such a significant impact on equity markets?

Read more in our latest blog from Senior Financial Advisor Mark Hemby, CFA®, CFP®: https://hubs.li/Q02P9RZb0

The Unwinding of the Yen "Carry" Trade At the start of August, the U.S. stock market experienced an unexpectedly sharp decline, losing over 7% in just the first three trading days. While those losses were eventually recovered, many investors were left wondering what caused such a dramatic sell-off. The answer lies in something known as t...

The recent data breach at the Social Security Administration has raised concerns about identity theft and the potential compromise of personal information. Read our latest blog from Director Michael Hall for some steps you can take to protect yourself and your loved ones in an increasingly digital world.

Preventing Identity Theft: Tips for Safeguarding Yourself and Your Family The recent data breach at the Social Security Administration has raised concerns about identity theft and the potential compromise of personal information. Here are some steps you can take to protect yourself and your loved ones in an increasingly digital world.

Join Chris Stennett, CFP®, Senior Financial Advisor from Saltmarsh Financial Advisors, LLC, and Dimensional Fund Advisors for our latest webinar, a semi-annual market review to discuss recent market events and implications to investors and address top-of-mind client questions from the first half of 2024.

👉Date: August 1, 2024
👉Time: 1:00 P.M. CST/2:00 P.M. EST
👉Register: https://hubs.li/Q02HDMFh0

Join Chris Stennett, CFP®, Senior Financial Advisor from Saltmarsh Financial Advisors, LLC, and Dimensional Fund Advisors for our latest webinar, a semi-annual market review to discuss recent market events and implications to investors and address top-of-mind client questions from the first half of 2024.

👉Date: August 1, 2024
👉Time: 1:00 P.M. CST/2:00 P.M. EST
👉Register: https://hubs.li/Q02Gd_sB0

We're excited to announce that we have been recognized by AAccounting Todayas a top firm by total assets under management (AUM) for the fourth year in a row!

“We are thrilled to be recognized once again as a Top AUM (Assets Under Management) Firm by Accounting Today,” said Managing Director, Christina Doss, AAMS®. “Markets go through regular cycles, and we have worked diligently to help our clients navigate the volatile market and inflation of recent years. Despite these fluctuations, our clients appreciate our unwavering focus on their goals through comprehensive planning and wealth management."

A special thank you to our exceptional clients who trust us to 'deliver legendary service' and help make this firm great! Read more about this recognition here: https://www.saltmarshcpa.com/cpa-news/blog/2024saltmarshfinancialadvisorstopwealthadvisoryfirm.asp

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) for the fourth year in a row. As an independent fiduciary, Saltmarsh Financial Advisors establishes longstanding relationships by providing personalized guidance on...

Fathers play an important role in teaching us many things when we are children. A few common lessons include how to hold a flashlight steady, how to arrive at the airport early, and that “it’s not the heat that gets you, it’s the humidity.” Another common topic fathers teach us about is money.

Learn about money lessons Associate Financial Advisor Pierce Broscious, CFP learned from his father in our latest blog!

https://www.saltmarshcpa.com/cpa-news/blog/fathers_day_money_lessons.asp

Dollar Cost Averaging (DCA) is a well-tested practice in finance, offering utility in several prevalent scenarios encountered by many investors today. But what exactly is DCA? Many who regularly contribute to a retirement plan like a 401(k) are doing this without even knowing it.

Learn more about DCA and its benefits in our latest blog from Mark Hemby, CFA, CFP®!

What is Dollar Cost Averaging? Dollar Cost Averaging (DCA) is a well-tested practice in finance, offering utility in several prevalent scenarios encountered by many investors today. But what exactly is DCA? It entails investing a fixed amount at regular intervals. By consistently purchasing the same dollar amount, one acquires mo...

Managing Director of Saltmarsh Financial Advisors, Christina Doss, AAMS®, joins the Navigating Divorce panel on May 30th to provide expert advice on wealth management. With over 30 years of experience working in the financial services industry, she’ll highlight the importance of having a personalized financial plan that supports your goals and objectives.

Christina is an Accredited Asset Management Specialist and is responsible for business development, client wealth management, and financial planning for her clients. She is extremely active in the community, and her board and volunteer affiliations have included the West Florida Hospital Women’s Advisory Board, Pensacola Impact 100 member, Pensacola Women’s Alliance member, and numerous others.

Register for the panel at https://lnkd.in/eM8-DqgH

Joining the Saltmarsh Financial Advisors’ Navigating Divorce panel is V. Carr, CEO of Vicar Group, LLC and thought leader on cybersecurity, information security, and fraud mitigation. As part of our expert panel, Venesulia will provide perspective on safeguarding your assets and protecting yourself from scams.

Venesulia is a former United States Marine, Newsmax columnist, and host of the television show Down to Business with V. which brings awareness to cybercrime, fraud trends, and information security best practices for business owners and consumers. She also serves on the Board of Directors for the WiCYS Women in Cybersecurity Florida.

Register for the panel on May 30th at https://lnkd.in/eM8-DqgH

Nearly every year, a handful of securities generate headlines for delivering eye-popping returns. A challenge for investors is determining what portion of that return is a one-off windfall and not something to expect going forward. Viewing expected returns through the lens of cost of capital may help benchmark what constitutes a reasonable expected return from the market.

Read more in our most recent blog: https://www.saltmarshcpa.com/cpa-news/blog/cost_of_capital_.asp

Embarking on a new season of independent life after divorce comes with many changes, including your finances. Join Saltmarsh Financial Advisors and Beth Skarda, CPA, tax shareholder at Saltmarsh, Cleaveland & Gund, for the May 30th Navigating Divorce panel to dive into the tax implications of divorce and how to prepare for the road ahead.

Beth is a Certified Public Accountant with over 25 years of experience and specializes in providing tax compliance, planning and consulting services for individuals and businesses. She is a dedicated contributor to the community and currently lends her expertise as Treasurer on the Board of Directors for multiple organizations including Manna Food Bank, Pensacola Little Theatre and First Tee of Northwest Florida.

Register for the panel at www.saltmarshcpa.com/seminars/

Another Night at the Ballpark in the books! Thank you to our clients for joining us. See the album below for some of our favorite moments!

Amy Piedmont, attorney and director at Litvak, Beasley, Wilson & Ball, LLP is joining the Saltmarsh Financial Advisors’ Navigating Divorce panel on May 30th. As part of our expert panel, Amy will provide insight into the special circumstances that may arise from divorce and how to ensure your estate plan accomplishes your wishes as you embark on a new season of life.

Amy holds a Masters of Law (L.L.M.) degree in estate planning from John Marshall Law School and specializes in estate planning, wills, trusts and estates, guardianships, contracts, and asset protection. Amy prides herself on developing long-lasting relationships with her clients in order to develop tailor-made estate plans based on their specific family and business needs.

Register for the panel at www.saltmarshcpa.com/seminars/

Embarking on a new season of independent life after divorce comes with many changes. Join Saltmarsh Financial Advisor’s expert panel on Thursday, May 30th, to discuss the financial, legal, emotional and logistical questions that come after divorce. Learn more and register at www.saltmarshcpa.com/seminars/

Featured Panelists: Amy Piedmont from Litvak Beasley Wilson & Ball, LLP; V. Carr from Vicar Group, LLC and host of Down to Business with V.; Beth Skarda, CPA from Saltmarsh, Cleaveland & Gund; Christina Doss, AAMS® & Sarah Horne, CFP® from Saltmarsh Financial Advisors

It’s April 2024 and it’s been almost 2 years since our last inflation deep dive, when inflation was at decades-long highs. Since then, the Fed aggressively raised rates to combat inflation but has recently paused as inflation slowed. Current inflation data look good in recent context, so many are hopeful the Fed will lower interest rates. However, inflation is rising at concerning rates in a few key categories, which may force the Fed to delay cuts.

Learn more about today's inflation in our latest blog from Senior Financial Advisor Chris Stennett, CFP®!

A Closer Look at Todays Inflation 2024 Edition Not out of the woods yet Its March 2024 and its been almost 2 years since our last inflation deep dive, when inflation was at decades-long highs. Since then, the Fed aggressively raised rates to combat inflation but has recently paused as inflation slowed. Current inflation data look good in recent context, so many are hope...

Compounding is one of the most powerful forces in the world. Just ask Albert Einstein, who’s said to have called it the “eighth wonder.” The seemingly small decisions we make every day gain power over time. That’s why it’s important to take the long view and come up with a plan—in both wellness and investing—that creates momentum in the direction of our goals.

Learn more about the power of compounding in our latest blog below!

The Power of Compounding in Health and Wealth Compounding is one of the most powerful forces in the world. Just ask Albert Einstein, whos said to have called it the “eighth wonder. The seemingly small decisions we make every day gain power over time. Thats why its important to take the long view and come up with a plan in both wellness an...

It is natural for investors to want more exposure to last year’s top-performing market segment. The challenge is determining what portion of that return was a one-off windfall and not something to expect going forward. Viewing expected returns through the lens of cost of capital may help benchmark what constitutes a reasonable expected return from the market.

Read more in our most recent blog below!

Exciting Returns May Not Be Expected Returns It is natural for investors to want more exposure to last year’s top-performing market segment. The challenge is determining what portion of that return was a one-off windfall and not something to expect going forward. Viewing expected returns through the lens of cost of capital may help benc...

Credit cards can be a powerful tool in your financial toolkit. Using them properly can help build credit and provide exciting rewards. As is the case with most powerful tools, improperly using it can cause significant harm.

Learn more about the dos and don'ts of credit cards in our latest blog from Associate Financial Advisor Sarah Horne!

The dos and donts of credit cards How to use them wisely Credit cards can be a powerful tool in your financial toolkit. Using them properly can help build credit and provide exciting rewards. As is the case with most powerful tools, improperly using it can cause significant harm. This article will discuss some do's and don'ts of credit card use.

Trade executions prioritize among three key parameters: price, quantity, and timing. Price is the focal point throughout our investment process, given that prices incorporate the aggregate views of market participants, and that differences in prices have significant explanatory power for differences in expected returns. In fixed income, we use current market prices to calculate expected returns, to determine the most attractive term, credit, and currency positioning, and to monitor credit quality in real time.

Read more in our latest blog from Dimensional Fund Advisors below!

Dimensional Fixed Income Trading: Price Is Our Priority Trade executions prioritize among three key parameters: price, quantity, and timing. Dimensionals top trading priority is price. It is the focal point throughout our investment process, given that prices incorporate the aggregate views of market participants, and that differences in prices have sign...

The Magnificent 7 stocks continue to capture the focus of investors as these large growth names have outpaced the bulk of global equities. Their outperformance is notable because eye-popping returns for top stocks tend to occur before they reach the top of the market. Once there, subsequent returns tend to lag the market.

Read more about the Magnificent 7 in our latest blog!

Magnificent 7 Outperformance May Not Continue The Magnificent 7 stocks continue to capture the focus of investors as these large growth names have outpaced the bulk of global equities. Their outperformance is notable because eye-popping returns for top stocks tend to occur before they reach the top of the market. Once there, subsequent returns....

This past year had its share of financial uncertainty, from inflation and rising interest rates to volatile stock and bond markets. So it’s no surprise some people feel anxious right now. When it comes to investing during trying times, it can be easy to lose track of how well markets function. Spoiler alert: They’ve been working just the way we’d expect.

Read more about this topic in our most recent blog below!

Many Happy Returns This past year had its share of financial uncertainty, from inflation and rising interest rates to volatile stock and bond markets. Headlines added to the unease, from the growth of artificial intelligence (AI) to the collapse of Silicon Valley Bank and other lenders to the threat of government shut...

Earlier this week, some of our had the opportunity to attend the 2nd Annual AllTogetHER Women's Event hosted by Greater Pensacola Chamber! They had an amazing time hearing from inspiring 'InfluencHERs' from the Pensacola area, including our very own Managing Director, Christina Doss, AAMS®! Christina and all of the incredible speakers told inspiring stories about personal challenges and how they turned them into success. Check out some highlights from the event below!

On January 30th, join Mark Hemby, CFA® from Saltmarsh Financial Advisors, and a special guest from Dimensional Fund Advisors for a semi-annual market review to discuss recent market events and implications to investors and address top-of-mind client questions from the last two quarters of 2023.

Register: www.saltmarshcpa.com/seminars/

As investors rang in the New Year of 2023, there was a lot to be apprehensive about. Inflation was still high as the Fed was aggressively raising rates, leading to a historically bad year for combined stock and bond investors. Though 2022 had ended with a late-year rally, almost every economist gave some probability that the US was headed for a recession in 2023. It seems the markets did not get the memo.

Read more in our most recent blog from Senior Financial Advisor Chris Stennett, CFP®!

#2023

2023 Year in Review As investors rang in the New Year of 2023, there was a lot to be apprehensive about. Inflation was still high as the Fed was aggressively raising rates, leading to a historically bad year for combined stock and bond investors. Though 2022 had ended with a late-year rally, almost every economist gave...

Pensacola, the 2nd annual AlltogetHer event is only a few weeks away! Connect with influential women from the Greater Pensacola area, including our Managing Director Christina Doss, AAMS®! Christina will be hosting group sessions that cover topics such as professional and personal goal setting, as well as the obstacles faced, and lessons learned in the process.

Learn more about the event and register: https://business.pensacolachamber.com/events/details/2nd-alltogether-women-s-event-2024-19615?calendarMonth=2024-01-01&fbclid=IwAR1jLSFR-ehqk-X0f6eqSfwaXLrZ4PrUw2cau35Ki2rcAN8pPx1HQdFVVII

"I’ve been in the financial industry for nearly 20 years and have worked for many different firms. In those roles, I had different types of clients. When I came to Saltmarsh over three years ago, most of my prior experience was servicing large institutional clients. Now that I’ve been here a few years, I can reflect on my career and various experiences. The most prominent difference between my role at Saltmarsh and roles at other firms is my current fiduciary responsibility versus my previous suitability duty."

Read more from Senior Financial Advisor Mark Hemby, CFA®'s insightful personal reflection in our most recent blog!

Fiduciary vs Suitability Standards A Personal Reflection Ive been in the financial industry for nearly 20 years and have worked for many different firms. In those roles, I had different types of clients. When I came to Saltmarsh over three years ago, most of my prior experience was servicing large institutional clients. Now that Ive been here a few years,...

Thank you to West Florida High School for allowing us to present to your financial literacy students! Read about Pierce and Sarah's investing presentation below.

Investing in Tomorrow: Saltmarsh Financial Advisors and D I Committee Present at West Florida High School Earlier this month, our Diversity and Inclusion (D I) Outreach Committee partnered with Sarah Horne and Pierce Broscious, of Saltmarsh Financial Advisors to present to students at West Florida High School in Pensacola.