Our Philosophy

Our investment philosophy represents our belief in investing for long-term success and is guided by the following key principles:

1. Markets are Effecient

Current prices are reflective of all known information and are the best estimate of true value. Chasing higher returns through market timing has been proven unsuccessful over the long-term, leading to higher transaction costs and unnecessary risk.

2. Risk and Return are Inseparable

Investments that offer higher average returns relative to the market almost always carry higher risk.

3. Diversification is Crucial

The most sensible way to manage risk and seek higher expected returns is to diversify across multiple asset classes, industries and geographical markets.

4. Costs Matter

Over time, the effective management of costs leads to savings that 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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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.