Insights

Reality Check: Capital Market Assumptions vs. Actual Returns

01/24/2025 - By Matthew Wicker, CFA (Dimensional Fund Advisors)

Every year, many investment and consulting firms release new CMAs, or capital market assumptions. CMAs can be useful for setting risk and return expectations and for long-term financial planning. However, as the old saying goes, it’s difficult to make predictions, especially about the future.1 Even well-constructed CMAs are not a crystal ball and, when used inappropriately, can lead to suboptimal outcomes for investors.(2)

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The Power of Human Ingenuity

01/24/2025 - By David Booth (Dimensional Fund Advisors)

Against a backdrop of geopolitical tensions, economic challenges, and electoral uncertainty, 2024 proved the resilience of public financial markets and the power of human ingenuity once again. Markets continued to do what they do best: efficiently process information and set fair prices, rewarding long-term investors with positive returns.

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2024 Year in Review

01/23/2025 - By Chris Stennett, CFP

As 2024 passes, it’s time to reflect on the key themes that shaped this eventful year. Geopolitical uncertainties, lingering effects from COVID-19, the U.S. presidential election, and debates about a hard versus soft economic landing kept investors on edge at the year’s outset. Yet, alongside the challenges, there were significant opportunities for growth. Here’s an overview of major developments in U.S. and international markets and their broader implications.

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What's Happening at Saltmarsh

Saltmarsh Announces Internal Promotions of 2025!

01/02/2025 - By Celia Nofsinger

We’re proud to announce the following internal promotions as of January 1, 2025!

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Stacey Craig & Cristine Torrefranca Graduate From ConvergenceCoaching's 'Transformational Leadership Program'

12/19/2024 - By Celia Nofsinger

We are thrilled to share that director Stacey Craig, CPA, and senior manager, Cristine Torrefranca, CPA, have successfully graduated from ConvergenceCoaching’s 2023-2024 Fall Transformational Leadership Program™ (TLP).

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Michael C. Hall Joins Saltmarsh Financial Advisors

10/07/2024 - By Nancy Patton

We're excited to welcome Michael C. Hall, CFP as a director at Saltmarsh Financial Advisors, LLC. 

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Saltmarsh Financial Advisors, LLC
900 N. 12th Avenue Pensacola FL 32501 Local Phone: (850) 435-8300 Email: info@saltmarshfa.com
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