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
You've got a partner in Saltmarsh Financial Advisors

Our Philosophy

Saltmarsh Financial Advisors investment philosophy is based on decades of Nobel Prize recognized academic research regarding capital markets and the science of investing. Rather than chasing returns through stock picking and market timing, we use a diversification technique called ‘asset class investing’ to customize a portfolio based on your specific goals, objectives and risk tolerances. The blended performance of asset class investing can help reduce downside risk of over exposure to any one asset class, industry or individual stock or bond.

Saltmarsh Financial Advisors has access to institutional class mutual funds with some of the lowest internal expense ratios in the industry. The effective management of lower costs accrues directly to your investment returns. Our goal is to deliver the performance of capital markets and enhanced returns through state-of-the-art portfolio design, trading practices, and reduced fees.

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A Plan for the Future

Saltmarsh Financial Advisors takes a holistic approach to help you plan for the future based on your lifestyle needs and desires. With the use of our cash-flow based financial planning, we can test your personal plan against historic data from the past eight decades where factors such as economic depressions, catastrophic world events and inflation have previously impacted the market. By using real historical data, we can demonstrate how lengthened life expectancies, taxes and market volatility can potentially impact your portfolio performance so you won’t be caught unprepared.

Although the past is not indicative of future results, we believe that the extremes of the past eight decades provide a range of market stressors that can help guide us in designing a prudent investment portfolio for you that will have a strong probability of withstanding inevitable future market trauma. Our goal is to help you make informed decisions regarding ‘controllables’ that can ultimately determine the success or failure of your retirement plan so that you can focus on what matters most to you.

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Focus on What Matters

Your priorities are our focus. Our mission is to provide a successful investment experience and the peace of mind that comes with proper planning and consistent communication. We help you make critical decisions by guiding you to the best course of action--from calculating your specific risk-reward ratio, knowing when to draw for retirement or funding large expenditures. Our recommendations are customized to your specific goals with the consideration of tax optimization strategies.

Saltmarsh Financial Advisors has decades of combined experience in financial planning, investment management, tax and estate planning. Our expertise makes us uniquely qualified to help you navigate through a lifetime of financial decisions. Our experience and diligent portfolio monitoring process gives you the freedom to focus on what matters most to you.

Contact Us to schedule a planning session.

Our Philosophy

Saltmarsh Financial Advisors investment philosophy is based on decades of Nobel Prize recognized academic research regarding capital markets and the science of investing. The Foundation for our philosophy is as follows:

Free Markets are Efficient: Current prices are the best estimate of true value. Attempts at market timing are futile and lead to higher transaction costs and unnecessary risk.

Risk and Return are Inseparable: Investments that offer higher average returns relative to the market almost always carry higher risk.

Diversification is Crucial:The most sensible way to manage risk and seek higher expected returns is through broad diversification across multiple asset classes, industries and geographical markets.

Costs Matter: The effective management of cost lead to savings that over time accrue directly to an investor's return.

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

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(c) 2017 Saltmarsh, Cleaveland & Gund

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