{"url":"https://nivawealth.com/firms/saltmarsh-financial-advisors-132248","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/132248","regulatoryAum":356520720,"crd":"132248","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7228945","suffix":null,"lastName":"Broscious","firstName":"Pierce","middleName":"Alan"},{"crd":"2410755","suffix":null,"lastName":"DOSS","firstName":"CHRISTINA","middleName":"LYNN"},{"crd":"4552893","suffix":null,"lastName":"Hall","firstName":"Michael","middleName":"Christopher"},{"crd":"4032701","suffix":null,"lastName":"HEMBY","firstName":"MARK","middleName":"HUNTER"},{"crd":"7459371","suffix":null,"lastName":"Horne","firstName":"Sarah","middleName":"Katherine"},{"crd":"4926238","suffix":"JR","lastName":"PEADEN","firstName":"GEORGE","middleName":"MAYHEW"}],"total":6,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-03-13","regulatoryAum":228785000,"clients":234,"employees":5,"offices":2},{"filedOn":"2022-04-28","regulatoryAum":243880000,"clients":215,"employees":6,"offices":2},{"filedOn":"2023-03-13","regulatoryAum":247414000,"clients":234,"employees":6,"offices":2},{"filedOn":"2024-07-19","regulatoryAum":278965000,"clients":221,"employees":6,"offices":2},{"filedOn":"2025-03-03","regulatoryAum":318447000,"clients":234,"employees":7,"offices":2},{"filedOn":"2026-03-19","regulatoryAum":356520720,"clients":224,"employees":6,"offices":2}],"secFileNumber":"801-110278","legalName":"Saltmarsh Financial Advisors, LLC","displayName":"Saltmarsh Financial Advisors","slug":"saltmarsh-financial-advisors-132248","website":"https://saltmarshfa.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/132248/7860a1e02e79c29c-r1.webp","tone":"light","width":1006,"height":200,"sourceUrl":"https://saltmarshfa.com/","sourceLabel":"Saltmarsh Financial Advisors, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/saltmarshfa","founded":"1995","organization":"Florida limited liability company","fiscalYearEnd":"December","headquarters":{"street":"900 N 12th Avenue","city":"Pensacola","state":"FL","stateName":"Florida","country":"United States","postalCode":"32501-3305"},"tradeNames":[],"registration":{"secApproved":"5 April 2017","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1597231.3424657534,"staff":{"employees":6,"advisory":6,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":356520720,"discretionary":356520720,"discretionaryAccounts":527,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":1},"clientTypes":[{"label":"Individuals (other than HNW)","clients":133,"regulatoryAum":71532670},{"label":"High-net-worth individuals","clients":86,"regulatoryAum":278260994},{"label":"Pension and profit-sharing plans","clients":1,"fewerThan5":true,"regulatoryAum":1272533},{"label":"Corporations and other businesses","clients":4,"fewerThan5":true,"regulatoryAum":5454523}],"feePrograms":[{"role":"main","program":"Managed Account Fee Schedule","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021679","versionId":1021679,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-19","documentName":"SALTMARSH FINANCIAL ADVISORS FIRM DISCLOSURE BROCHURE","fee_rate_low":0.95,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":500000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Comprehensive financial planning","summary":"Comprehensive financial plans are projected as a fixed fee that typically starts at $5,000; the planning time is billed at a rate not to exceed $450 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021679","versionId":1021679,"submittedOn":"2026-03-19","documentName":"SALTMARSH FINANCIAL ADVISORS FIRM DISCLOSURE BROCHURE"},{"role":"other","program":"Hourly consultations","summary":"Hourly consultations are billed at a rate not to exceed $450 per hour, and clerical fees will not exceed $250 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021679","versionId":1021679,"submittedOn":"2026-03-19","documentName":"SALTMARSH FINANCIAL ADVISORS FIRM DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T09:01:11.92564+00:00","documents":[{"name":"SALTMARSH FINANCIAL ADVISORS FIRM DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021679","versionId":1021679,"submittedOn":"2026-03-19"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":353805479}],"custodyNote":"Saltmarsh Financial Advisors does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Benjamin Bell","title":"Chief Executive Officer","crd":"4905259"},{"name":"David Fulcher","title":"Chief Financial Officer","crd":"5928469"},{"name":"George Peaden","title":"Chief Compliance Officer & Operations Manager","crd":"4926238"},{"name":"William Kelly","title":"Chief Legal Officer","crd":"8191672"}],"ownership":[{"label":"Saltmarsh Wealth Advisors Holdco LLC","detail":"Managing member in the 75% or more ownership band and a control person, since June 2025."},{"label":"Ascend Partner Services LLC","detail":"Indirect owner: a managing member of Saltmarsh Wealth Advisors Holdco LLC in the 75% or more band and a control person, since June 2025.","parent":"Saltmarsh Wealth Advisors Holdco LLC"},{"label":"Ascend Partners Intermediate LLC","detail":"Indirect owner: a managing member of Ascend Partner Services LLC in the 75% or more band and a control person, since December 2022.","parent":"Ascend Partner Services LLC"},{"label":"Ascend Partners Parent LLC","detail":"Indirect owner: a managing member of Ascend Partners Intermediate LLC in the 75% or more band and a control person, since December 2022.","parent":"Ascend Partners Intermediate LLC"},{"label":"Ascend Partners Topco LP","detail":"Indirect owner: a managing member of Ascend Partners Parent LLC in the 75% or more band and a control person, since December 2022.","parent":"Ascend Partners Parent LLC"},{"label":"Alpine Ascend Splitter LP","detail":"Indirect owner: a limited partner of Ascend Partners Topco LP in the 75% or more band and a control person, since December 2022.","parent":"Ascend Partners Topco LP"},{"label":"Alpine Investors IX, LP","detail":"Indirect owner: a limited partner of Alpine Ascend Splitter LP in the 25% to 50% band and a control person, since December 2022.","parent":"Alpine Ascend Splitter LP"},{"label":"Alpine Ascend Blocker LLC","detail":"Indirect owner: a limited partner of Alpine Ascend Splitter LP in the 50% to 75% band and a control person, since December 2022.","parent":"Alpine Ascend Splitter LP"},{"label":"Alpine Investors IX-A, LP","detail":"Indirect owner: a managing member of Alpine Ascend Blocker LLC in the 75% or more band and a control person, since December 2022.","parent":"Alpine Ascend Blocker LLC"},{"label":"Ascend Partners Topco GP, LLC","detail":"Indirect owner: general partner of Ascend Partners Topco LP and a control person, since December 2022.","parent":"Ascend Partners Topco LP"},{"label":"Alpine General Partner IX, LLC","detail":"Indirect owner: general partner of Alpine Ascend Splitter LP and a control person, since December 2022. Also general partner of Alpine Investors IX, LP and a control person, since September 2022. Also general partner of Alpine Investors IX-A, LP and a control person, since September 2022.","parent":"Alpine Ascend Splitter LP"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":2,"addresses":[{"street":"900 N 12th Avenue","city":"Pensacola","headquarters":true},{"street":"201 N. Franklin Street, Suite 1625","city":"Tampa"}]}],"brochureServices":["education planning","estate planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"850-435-8300","stateRegisteredReps":6,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":4},{"label":"U.S. government/agency bonds","percent":5},{"label":"Securities issued by registered investment companies or business development companies","percent":80},{"label":"Cash and cash equivalents","percent":11}],"privateFunds":0},"sources":{"adv1FilingDate":"19 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/132248/PDF/132248.pdf","brochureDate":"19 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021679","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Saltmarsh Financial Advisors have?","answer":"Saltmarsh Financial Advisors has 224 clients and manages $357 million for them, as of March 2026. They include 133 individual clients, 86 high-net-worth individuals, and 4 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 19 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Saltmarsh Financial Advisors offer?","answer":"Saltmarsh Financial Advisors provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Saltmarsh Financial Advisors charge?","answer":"Saltmarsh Financial Advisors charges 0.95%–1.50% a year for its Managed Account Fee Schedule. The fee is billed in advance, is negotiable and requires an account of at least $500,000.","source":"SALTMARSH FINANCIAL ADVISORS FIRM DISCLOSURE BROCHURE, filed 19 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Saltmarsh Financial Advisors use?","answer":"Saltmarsh Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $354M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Saltmarsh Financial Advisors have?","answer":"Saltmarsh Financial Advisors has 6 investment adviser representatives registered with state securities authorities, out of 6 employees, and 6 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Saltmarsh Financial Advisors invest in?","answer":"At the end of its last fiscal year, Saltmarsh Financial Advisors’ separately managed accounts held 80% registered funds (mutual funds, ETFs, BDCs), 11% cash and equivalents, 5% U.S. government and agency bonds and 4% exchange-traded equities.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Does Saltmarsh Financial Advisors have a minimum investment?","answer":"Yes, Saltmarsh Financial Advisors’ minimum account size for its Managed Account Fee Schedule is $500K.","source":"SALTMARSH FINANCIAL ADVISORS FIRM DISCLOSURE BROCHURE, filed 19 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Saltmarsh Financial Advisors?","answer":"Saltmarsh Financial Advisors is owned through a chain of holding companies by Alpine Investors IX, LP and Alpine Investors IX-A, LP. Its direct owner is Saltmarsh Wealth Advisors Holdco LLC (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 19 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Saltmarsh Financial Advisors get paid?","answer":"Saltmarsh Financial Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Saltmarsh Financial Advisors?","answer":"Saltmarsh Financial Advisors’ main office is at 900 N 12th Avenue, Pensacola, FL 32501-3305. Its phone number is 850-435-8300. Its website is saltmarshfa.com.","source":"Form ADV Part 1A, Item 1.F, filed 19 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}