Advisor at Saltmarsh Financial Advisors, LLC
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Firm
Saltmarsh Financial Advisors, LLC
Location
Pensacola, FL 32501-3305
Credentials
CFP®, Series 65
Industry experience
4 years
Sarah Horne is a CFP® and Series 65-licensed financial advisor with Saltmarsh Financial Advisors, LLC, where she has worked since 2022. She has four years of industry experience, including prior roles at OneAmerica Securities and American United Life. Before entering the financial industry, she held academic positions at the University of West Florida, University of Alabama in Huntsville, and Auburn University. Saltmarsh Financial Advisors, LLC serves individuals and families, including high-net-worth clients, as well as fiduciaries, pension plans, corporations, and small businesses. The firm employs an investment approach based on Modern Portfolio Theory with a multi-year time horizon, emphasizing diversification through a mix of passive and active funds, ETFs, stocks, and bonds.
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
900 N 12 Th Avenue
Pensacola, FL 32501-3305
Florida
Saltmarsh Financial Advisors, LLC
2022 - Present (4 years)
OneAmerica Securities
2021 - 2022 (1 year)
American United Life
2021 - 2022 (1 year)
University of West Florida
2018 - 2021 (3 years)
University of Alabama in Huntsville
2017 - 2018 (1 year)
Auburn University
2014 - 2017 (3 years)
Auburn University
2012 - 2017 (5 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Accountant / CPA / tax prep
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Is not active or affiliated with:
Insurance agent
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
CFP®, Series 66
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