# Saltmarsh Financial Advisors, LLC

> Saltmarsh Financial Advisors, LLC is an SEC-registered investment advisory firm in Pensacola, FL, registered since 2017, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 19, 2026.

- CRD: 132248
- Filed as: SALTMARSH FINANCIAL ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Pensacola, FL
- Filing period: October 2026
- Form ADV filing dated: March 19, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/132248
- AdvisorCensus page: https://advisorcensus.com/firm/saltmarsh-financial-advisors-llc-pensacola-fl-132248

## Quick answers

**How is Saltmarsh Financial Advisors, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Saltmarsh Financial Advisors, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Saltmarsh Financial Advisors, LLC charge?**
Its Form ADV Part 2A brochure dated March 19, 2026 states: Flat fee: $5,000 (comprehensive financial plan); Hourly rate: $450 an hour (financial planning services); Hourly rate: $250 an hour (clerical fees). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Saltmarsh Financial Advisors, LLC located?**
Saltmarsh Financial Advisors, LLC's principal office is in Pensacola, FL, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Saltmarsh Financial Advisors, LLC registered with the SEC or a state?**
Saltmarsh Financial Advisors, LLC is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 132248.

**How much does Saltmarsh Financial Advisors, LLC manage?**
Saltmarsh Financial Advisors, LLC reports $356,520,720 in regulatory assets under management in its Form ADV filing dated March 19, 2026 (100% discretionary).

**How have Saltmarsh Financial Advisors, LLC's assets and staff changed since 2021?**
In the Form ADV data for Saltmarsh Financial Advisors, LLC: Regulatory assets under management: $228,785,000 in the October 2021 data and $356,520,720 in the October 2026 data, up 56%. Total employees: 5 in October 2021 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Saltmarsh Financial Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (133); high net worth individuals (86); corporations or other businesses not listed above (4).

**Which custodians does Saltmarsh Financial Advisors, LLC use?**
Saltmarsh Financial Advisors, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Saltmarsh Financial Advisors, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/132248

**Does Saltmarsh Financial Advisors, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 19, 2026 says: "The Company requires a minimum initial investment of $500,000 to open a managed account. This minimum may be waived under certain circumstances."

**What changed in Saltmarsh Financial Advisors, LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $318,447,000 to $356,520,720 (+12%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 19, 2026)

- Account minimum: $500,000 (the brochure says it may be waived or negotiated)

> The Company requires a minimum initial investment of $500,000 to open a managed account. This minimum may be waived under certain circumstances.

- Flat fee: $5,000 (comprehensive financial plan)

> The fee will generally not exceed the written estimate provided in the Agreement and one-half the fee is due at the time the Agreement is signed. Financial planning services are based on an hourly rate not to exceed $450 per hour and will be projected in the Agreement as a fixed fee that typically starts at $5,000 for a comprehensive financial plan.

- Hourly rate: $450 an hour (financial planning services)

> Financial planning services are based on an hourly rate not to exceed $450 per hour and will be projected in the Agreement as a fixed fee that typically starts at $5,000 for a comprehensive financial plan.

- Hourly rate: $250 an hour (clerical fees)

> Hourly consultations will be billed at a rate not to exceed $450 per hour, and any clerical fees will not exceed $250 per hour.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $356,520,720
- Discretionary: $356,520,720
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 133 | $71,532,670 |
| High net worth individuals | 86 | $278,260,994 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 1 | $1,272,533 |
| Corporations or other businesses not listed above | 4 | $5,454,523 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2017 (9 years)
- Employees: 6 total, 6 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, FL, GA, LA, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Tampa, FL

### Websites listed on Form ADV (Item 1.I)
- [saltmarshfa.com](https://saltmarshfa.com)
- Facebook @saltmarshfa
- LinkedIn @saltmarshfa

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $228,785,000 | 5 | March 13, 2021 |
| October 2022 | $243,880,000 | 6 | April 28, 2022 |
| October 2023 | $247,414,000 | 6 | March 13, 2023 |
| October 2024 | $278,965,000 | 6 | July 19, 2024 |
| October 2025 | $318,447,000 | 7 | March 3, 2025 |
| October 2026 | $356,520,720 | 6 | March 19, 2026 |

Regulatory assets under management: $228,785,000 in the October 2021 data and $356,520,720 in the October 2026 data, up 56%.
Total employees: 5 in October 2021 and 6 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $318,447,000 to $356,520,720 (+12%).

### December 2025
- Changed its legal name from Saltmarsh Financial Advisors, L.L.C. to Saltmarsh Financial Advisors, LLC.
- Employees performing advisory functions went from 7 to 6.
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Saltmarsh Financial Advisors, LLC (CRD 132248): Form ADV filing data as of October 2026.