Saltbox Financial LLC is a registered investment advisor that specializes in providing personalized financial planning and investment management to individuals, families, and charitable organizations. The firm was originally established in 1999 and is owned and operated by Vera Kelsey-Watts. Saltbox Financial takes a holistic approach to wealth management, helping clients navigate retirement preparation, cash flow, college savings, insurance analysis, estate planning, charitable giving, and taxes. For clients with at least $1,000,000 in investable assets, the firm offers comprehensive wealth management which combines ongoing investment portfolios with full financial planning and tax preparation for a percentage-based fee. For clients starting out or looking for specific advice, Saltbox Financial also offers standalone financial planning and tax preparation services on an hourly or fixed-fee basis. The firm operates as a fee-only practice, meaning they do not sell financial products or insurance, and they do not accept commissions or referral fees from third parties.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.20% |
| $1.0M - $3.0M | 1.20% |
| $3.0M - $6.0M | 1.10% |
| $6.0M - $10.0M | 1.00% |
| $10M+ | 0.90% |
Accounts under $1,000,000 typically pay a fixed annual minimum fee of $12,000. Fees are calculated and billed quarterly in arrears. Fees may be reduced or waived at the firm's discretion.
