Salt Light Investing for the Good

Salt Light Investing for the Good is a state‑registered investment adviser that offers ongoing portfolio management and financial planning services, typically using mutual funds, ETFs, individual securities, and, when appropriate, insurance products such as fee‑based annuities. The firm charges asset‑based (percentage‑of‑AUM) fees on a tiered schedule billed quarterly and may also deliver standalone or subscription financial planning engagements.

The firm’s investment process emphasizes strategic asset allocation, periodic rebalancing, and long‑term investing, and it offers four values‑screened model portfolios (Growth, Moderate Growth, Balanced, and Moderate‑Conservative) that apply a biblical‑values screening approach. Salt Light may engage unaffiliated third‑party managers, model providers, or platforms to implement strategies, provides discretionary and non‑discretionary management options, and discloses that it acts as a fiduciary with written policies to address conflicts of interest.

Noteworthy aspects include the firm’s integration of insurance solutions into advisory services and use of an unaffiliated Outside Insurance Desk and licensed insurance agents to support product education and implementation, with carrier/platform fee billing practices disclosed in the brochure. The firm also highlights the selection and oversight of other advisers (third‑party managers or TPMs) as part of its service model and reported zero regulatory AUM at the initial ADV filing, signaling an early‑stage or recently registered adviser.