Saltmarsh Financial Advisors, LLC

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.