Our Philosophy

Our investment philosophy represents our belief in investing for long-term success and is guided by the following key principles:

1. MARKETS ARE EFFICIENT

Current prices are reflective of all known information and are the best estimate of true value. Chasing higher returns through market timing has been proven unsuccessful over the long-term, leading to higher transaction costs and unnecessary risk.


2. RISK AND RETURN ARE INSEPARABLE

Investments that offer higher average returns relative to the market almost always carry higher risk.


3. DIVERSIFICATION IS CRUCIAL

The most sensible way to manage risk and seek higher expected returns is to diversify across multiple asset classes, industries and geographical markets.


4. COSTS MATTER

Over time, the effective management of costs leads to savings that accrue directly to an investor's return.


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Saltmarsh Financial Advisors, LLC
900 N. 12th Avenue Pensacola FL 32501 Local Phone: (850) 435-8300 Email: info@saltmarshfa.com
2019 Saltmarsh, Cleaveland & Gund