Our Roots Run Deep
Investment Philosophy Based on Decades of Nobel Prize Recognized Research
Low-Cost, Tax-Efficient Advice with Integrity
So you can focus on What Really Matters
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Our Philosophy

Saltmarsh Financial Advisors investment philosophy is based on decades of Nobel Prize recognized academic research on capital markets and the science of investing, versus speculation.

A Plan For the Future

Saltmarsh Financial Advisors takes a holistic approach to helping you plan for the future based on your lifestyle needs and desires.

Focus on What Matters

Your priorities are our focus. Our mission is to provide you with a successful investment experience and the peace of mind that comes through planning and consistent communication.

Saltmarsh Financial Advisors Host Implications of Investor Behavior Events

Saltmarsh Financial Advisors was honored to welcome Christian Newton, Regional Director of Dimensional Fund Advisors (DFA) as a guest speaker for several special events in Pensacola and Destin.

In his “Implication of Investor Behavior” presentations, Mr. Newton explored the foundations of behavioral psychology and explained why behavioral finance and market efficiency are compatible notions. He focused on how many of our inherent cognitive biases that help us navigate our every-day lives can work against us when it comes to making sound investing decisions, yielding poor and even disastrous investment outcomes.

Despite what we may think, no one is immune to emotionally-driven behavior which “often begins out of greed or fear.” Academic research offers well-documented lessons in the pitfalls of emotional investing, demonstrating that even historical giants such as Sir Isaac Newton fell prey to emotional investor behavior.

Importantly, Mr. Newton noted that DFA does not try to predict the future, instead they desire to help advisors and clients take advantage of a breadth of investments over long periods of time to drive success. Even so, planning, investments, and asset allocation can only go so far. Your financial advisor should be there to help you not only create a tailored investment plan, but also offer the appropriate guidance and sound advice you need.

Christina Doss, Managing Director, explained that the primary means of avoiding common investment mistakes and sticking to your plan is to “… work with a registered investment advisor, who is also a fiduciary focused on your best interest. This relationship will ensure that you focus on what you can control versus what you can’t control as you navigate the markets. Given that every investment decision is also a tax decision, leveraging an advisor who takes a holistic approach to planning will impact your retirement plan and peace of mind.”

About Christian Newton, Regional Director, DFA

Christian Newton is a frequent presenter at industry events and DFA conferences where he helps both advisors and clients understand Dimensional’s capital markets research and its application to portfolio and practice management. Christian’s 10 years with Dimensional’s Marketing group serving in multiple roles, including vice president of marketing, has given him a unique perspective on how marketing within the financial services industry can directly influence investor behavior. His past presentations have included thoughtful discussions around the ‘Attention Economy’ and the importance of filtering harmful noise and maintaining a focus on what materially impacts long term goals.

About Dimensional Fund Advisors

Dimensional Fund Advisors is a leading global investment firm that has been translating academic research to practical investment solutions since 1981. Guided by a strong belief in markets, we help investors pursue higher expected returns through advanced portfolio design and careful implementation For this and other information about the Dimensional funds, please the prospectus carefully before investing. Prospectuses are available by calling Dimensional Fund Advisors collect at (512) 306-7400 or at www.dimensional.com.

About Saltmarsh Financial Advisors

Saltmarsh Financial Advisors, LLC is a financial planning and investment management service provider with decades of industry experience. We deliver state-of-the-art portfolio design with investment philosophies based on Nobel Prize recognized academic research regarding capital markets and the science of investing to our clients.

Saltmarsh Financial Advisors is an affiliate of Saltmarsh, Cleaveland & Gund, one of the largest CPA-led business advisory firms in the Southeastern United States. For further information, please call (800) 477-7458.


4th Annual Client Appreciation Night at the Ballpark

Once again, Saltmarsh Financial Advisors hosted a great evening with clients at a Pensacola Blue Wahoos game for the fourth year running. Good food and cold drinks were enjoyed from the Coors Light Party Deck, which gave our group an amazing view of the game. Although things looked bleak, the Wahoos pulled out a win in the bottom of the 9th with a walkoff 2-run double! Thank you to the Blue Wahoos for treating us to a great time, and thank you to our wonderful clients for enjoying the night with us.

Saltmarsh Financial Advisors | Learn More about investment management services:

The Evolution of Investing

Saltmarsh Financial Advisors was honored to welcome Apollo D. Lupescu, PhD of Dimensional Fund Advisors (DFA) as a guest speaker for several special events in Pensacola and Tallahassee.

In his “Evolution of Investing” presentations, Dr. Lupescu described how those who drive the market have evolved from individuals with a mere interest and basic understanding of the market to highly-sophisticated, institutional investors with access to a variety of trading tools and research options.

As Dr. Lupescu explained, “The markets are no longer just competitive but are hyper-competitive.” Hunches, intuitions and friendly recommendations are no longer sustainable models of investing in today’s analytical and data-driven marketplace.

Lupescu went on to explain how DFA offers an alternative to the old-school approach to Wall Street of attempting to selectively pick high performing individual companies or time the market. The founders of DFA pioneered the first index funds back in the 70’s but over the past 30 years the firm has attracted many great minds in academia, including numerous Nobel prize winning scientist, who have identified key dimensions of expected returns that have resulted in an improved investment experience for the client. For example, in a typical portfolio of DFA funds, a client will own roughly 12,000 stocks in over 40 countries. Dr. Lupescu notes, “What would it take for all of those stocks to disappear at the same time?” Asset allocation drives returns and while the DFA approach provides for broad diversification, unlike Index funds which must mirror the index they track against, DFA has the flexibility to add or delete companies from their portfolios when fundamentals change. Dr. Lupescu explains that “in managing how the list is created, maintained and traded, we can do better than the index. For example, over 20 years in small-cap companies, we’ve added over one percent per year annualized return. It’s not that we are better at picking the stocks, but we do better at managing the portfolio.”

Importantly, Dr. Lupescu noted that while DFA builds and manages a variety of mutual funds, it is the relationship between the client and their advisor that ultimately drives success. “The role of the advisor is to know their client and ensure they are invested based on their individual risk tolerance and goals and help them tune out the noise and stay the course. Ultimately it is time in the market that determines success, not timing the market.”

Saltmarsh Financial Advisors is proud to offer our clients a low-cost, tax-efficient and principled investment offering through our partnership with Dimensional Fund Advisors.


Quarterly Investment Updates
*Beginning December 2017, our Investment Update newsletter will move to quarterly distribution instead of monthly.

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Saltmarsh Financial Advisors, LLC
900 N. 12th Avenue, Pensacola, FL 32501 ° Local Phone: 850.435.8300 ° Email: info@saltmarshfa.com


(c) 2018 Saltmarsh, Cleaveland & Gund

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