Salt Creek Hills Money, Ltd.

Salt Creek Hills Money, Ltd. provides investment advisory services to individuals, high-net-worth individuals, and pension or profit-sharing plans, preparing an investment policy statement for each client and offering ongoing portfolio monitoring and asset-allocation advice. The firm generally recommends mutual funds and may direct clients to third-party advisers to manage all or part of a client’s assets, with implementation and custodial relationships handled through those third parties.

The firm’s investment process emphasizes modern portfolio theory and a long-term trading horizon, documenting risk tolerance and time horizon in each client’s investment policy statement. Salt Creek operates primarily on a non-discretionary basis, meaning clients retain final decision authority while the firm conducts due diligence (calls, meetings, performance reviews) before referring clients to selected third-party managers.

Distinctive features include an affiliation with an accounting practice through the firm’s principal, who may offer accounting services outside the advisory business, a relationship disclosed as a potential conflict of interest. The firm’s small scale — roughly $2.67 million in advisory assets across nine clients managed without discretionary trading — and its fee-sharing referrals to third-party programs (commonly Matson Money for many clients) set it apart from most independent peers.