Saltmarsh Financial Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$349,793,664
Clients
219
Advisors
6
of 6 employees
About
Saltmarsh Financial Advisors provides discretionary investment management and financial planning to individuals and families as well as trustees, pension plans, corporations, and small businesses. The firm develops personalized Investment Policy Statements after pre‑advisory meetings and client questionnaires to align portfolios with clients’ goals, risk tolerances, and liquidity needs.
The firm’s investment process is asset‑allocation driven and framed by principles of Modern Portfolio Theory, favoring diversified mixes of passive and active mutual funds, ETFs, and the use of separately managed accounts through a Dimensional Fund Advisors partnership. Portfolios are typically managed with a multi‑year horizon, implemented under discretionary authority, and reviewed at least quarterly alongside the firm’s financial planning and implementation services.
Distinctive features include a formal affiliation and common ownership with a full‑service accounting and advisory firm, with several advisory personnel also employed by that affiliate—creating routine cross‑referral opportunities and disclosed potential conflicts of interest. The firm also employs advertising practices that are uncommon among similar team firms, including the use of client testimonials and promotion of third‑party ratings, and it participates in a Schwab Institutional custody program that provides additional operational resources.
Client services
Expertise
Occupation focus
Fee options
Comprehensive financial planning fees typically start at $5,000 fixed fee, disclosed upfront in agreement
$500,000 - $750,000: 1.50% $750,001 - $1,000,000: 1.25% $1,000,001 - $1,500,000: 1.10% $1,500,001 - $2,000,000: 1.00% $2,000,001+: 0.95%
Up to $450 per hour for financial planning and consultations; clerical fees not to exceed $250 per hour
Account minimum: $500,000 Fee-only: Financial planning fees based on hourly rate not to exceed $450 per hour; comprehensive financial plans typically start at $5,000 fixed fee; hourly consultations up to $450 per hour
Main office
900 N 12th Avenue
Pensacola FL 32501
Advisors at this office
6
Most active in
Alabama · Florida · Georgia · Louisiana · Texas
Also doing business as
Saltmarsh Financial Advisors, L.L.C. · Saltmarsh Financial Advisors, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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Advisors at this firm
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