Who We Are
We serve as fiduciaries, putting your needs first. Our philosophy is based on decades of academic research on capital markets and the science of investing.
What We Do
We provide guidance and expertise on investing, retirement, and estate planning while leveraging our combined expertise to manage tax-efficient portfolios.
How We Serve
We believe in delivering ‘legendary service’ and being ‘relentless about improvement’. Our passion for helping others is the foundation of our work.
Fiduciaries, Putting Your Needs First What Sets Us Apart
Saltmarsh Financial Advisors is a registered investment advisor and maintains a fiduciary relationship with clients. Our team has earned some of the industry’s most recognizable designations, including Certified Financial Planner (CFP®), Accredited Asset Management Specialist (AAMS®), Certified Financial Analyst (CFA®) and Certified Public Accountant (CPA).
Insights
A Quarter of Reversal: Markets & the Economy in the Second Quarter of 2026
Saltmarsh Financial Advisors Earns World-Class Client Satisfaction
When Wealth Means More: The Keys to Establishing a Lasting Legacy
Recent News
Funding Liquidity Without Triggering Capital GainsHow a Pledged Asset Line & the Step-Up in Basis can Work Together at Death
06/08/2026 - By Michael Hall
Clients with concentrated, highly appreciated positions often need cash without wanting to sell. Selling triggers capital gains tax today and removes shares that would otherwise receive a step-up in cost basis at death.
Saltmarsh Financial Advisors Hosts Client Appreciation Night at the Ballpark in Pensacola
05/26/2026 - By Celia Nofsinger
Saltmarsh Financial Advisors recently hosted our annual client appreciation Night at the Ballpark in Pensacola, bringing together clients, friends, and team members for an evening of baseball, connection, and community.
Beyond the Hype: What the Coming Mega-IPOs Mean for Your Portfolio
05/14/2026 - By Michael C. Hall, CFP
The financial press has been busy this year preparing investors for a wave of initial public offerings unlike anything we have seen before.
Investment Newsletter
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Saltmarsh Financial Advisors, LLC
900 N. 12th Avenue Pensacola FL 32501
Local Phone: (850) 435-8300
Email: info@saltmarshfa.com
2026
Saltmarsh • Privacy Policy
Saltmarsh Financial Advisors, LLC operates in connection with the brand Saltmarsh. Saltmarsh is the brand name under which Saltmarsh CPAs, Inc. and Saltmarsh, Cleaveland & Gund provide professional services. Saltmarsh CPAs, Inc. and Saltmarsh, Cleaveland & Gund practice as an alternative practice structure in accordance with the AICPA Code of Professional Conduct and applicable law, regulations and professional standards. Saltmarsh CPAs, Inc. is a licensed independent CPA firm that provides attest services to its clients. Saltmarsh, Cleaveland & Gund and its subsidiary entities, which are not licensed CPA firms, provide tax, advisory, and other non-attest services to its clients. The entities falling under the Saltmarsh brand are independently owned and are not liable for the services provided by any other entity providing the services under the Saltmarsh brand. Our use of the terms "our firm" and "we" and "us" and terms of similar import, denote the alternative practice structure conducted by Saltmarsh CPAs, Inc. and Saltmarsh, Cleaveland & Gund.