Our Services

Retirement and Financial Plainning

At Saltmarsh, we strive to fully understand your personal situation and build a customized solution to help you reach your goals. To create a solid financial plan, we start by developing a clear understanding of your goals and objectives. We utilize technology to assist our clients in making more informed decisions. We then implement and maintain the recommendations, meeting regularly to ensure the plan remains consistent with your needs.

Investment Management

Our investment management process begins with discussing your individual investment objectives, risk tolerance and investment time horizon. We use this information to build a low-cost, tax-efficient investment portfolio reviewed on a quarterly basis to ensure alignment with your goals and personal circumstances. The individual cash flow needs of our clients is also considered as part of the management process. Real cash flow management includes understanding your ongoing income needs, retirement account distributions and the appropriate investment options for cash balances.

Tax Planning and Preparation

Taxes can be a complex challenge for any individual. We work with tax professionals at Saltmarsh's affiliated advisory firm to help minimize tax consequences through thoughtful planning to ensure that tax consequences are minimized through appropriate planning. We believe every investment decision is also a tax decision; therefore, we focus on utilizing tax-efficient investments with low turnover and structure your portfolio to reduce the overall tax impact.

Estate and Trust Planning

When the time comes, an effective estate plan should protect your family and carry out your wishes, even after you’re gone. Our advisors have years of experience in successfully assisting in the development of estate plans, and we can help coordinate with other required experts such as attorneys, CPAs, and other trusted counsel if needed.

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We provide personalized financial investment, estate and tax advice to individuals and business owners and have the ability to offer tax advice through our CPA affiliate.
We offer multiple ways to engage our team, from one-time consultations to full discretionary money management.
We are fee-only registered investment advisors with a broadly accredited team of experienced advisors. We serve as fiduciaries who work on behalf of our clients’ best interests.

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Saltmarsh Financial Advisors, LLC
900 N. 12th Avenue Pensacola FL 32501 Local Phone: (850) 435-8300 Email: info@saltmarshfa.com
2025 Saltmarsh • Privacy Policy

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.