Saltmarsh, Cleaveland & Gund

Saltmarsh, Cleaveland & Gund Saltmarsh is an advisor consulting firm founded in 1944. The firm serves clients throughout the U.S. Saltmarsh is the brand name under which Saltmarsh CPAs, Inc.

Saltmarsh is a unique firm with an established reputation for building solid relationships through sound advice. Founded in the early 1940’s and thriving through generations of ownership, our aim is to demonstrate we are not only professionals you call upon out of necessity but trusted advisors you lean on when making important decisions impacting you, your family or business. Saltmarsh provides a full range of professional compliance and consulting services to many industries and high net worth individuals. These services include external/internal audit and assurance, tax planning, consulting and preparation, investment and wealth management, estate planning, information technology consulting and computer systems evaluation, business valuation, litigation support, human resources consulting, employee benefits administration and various business advisory services. and Saltmarsh, Cleaveland & Gund provide professional services. Saltmarsh CPAs, Inc. and Saltmarsh, Cleaveland & Gund practice as an alternative practice structure in accordance with the AICPA Code of Professional Conduct and applicable law, regulations and professional standards. is a licensed independent CPA firm that provides attest services to its clients. Saltmarsh, Cleaveland & Gund and its subsidiary entities, which are not licensed CPA firms, provide tax, advisory, and other non-attest services to its clients. The entities falling under the Saltmarsh brand are independently owned and are not liable for the services provided by any other entity providing the services under the Saltmarsh brand. Our use of the terms "our firm" and "we" and "us" and terms of similar import, denote the alternative practice structure conducted by Saltmarsh CPAs, Inc. and Saltmarsh, Cleaveland & Gund.

We’re taking aim at a great cause! 🎯 Saltmarsh is proud to sponsor Pensacola State College Foundation 18th Annual Day of...
09/30/2026

We’re taking aim at a great cause! 🎯 Saltmarsh is proud to sponsor Pensacola State College Foundation 18th Annual Day of Clays on Saturday, October 3. We’re looking forward to a day of friendly competition, good company and supporting opportunities that make a difference for PSC students and our community.

Here’s to a great day on the course, and hitting the mark for a great cause!

How often should your financial institution conduct an ACH risk assessment?While Nacha does not specify a set frequency,...
09/29/2026

How often should your financial institution conduct an ACH risk assessment?

While Nacha does not specify a set frequency, ACH risk assessments should be conducted periodically and updated as your institution’s activities, risks and controls change. Regular assessments can help financial institutions identify gaps, strengthen controls, address emerging fraud risks and stay aligned with regulatory expectations.

In our latest article, Sallie O’Brien explores what financial institutions should consider when conducting an ACH risk assessment and how a proactive approach can strengthen compliance and risk management. Read the full article: https://hubs.li/Q04xYy3Q0

Manufacturing is changing quickly, and staying ahead means looking beyond today’s operations. Join us with Seacoast Bank...
09/28/2026

Manufacturing is changing quickly, and staying ahead means looking beyond today’s operations. Join us with Seacoast Bank and the Bay Area Manufacturers Association for Building the Business of Tomorrow, a working luncheon designed for manufacturing business owners and executives.

The discussion will cover practical strategies around AI and automation, financial reporting, tax planning, cash flow, profitability, equipment financing, working capital, acquisitions and lender readiness.

📅 November 3 | 11 a.m.–1 p.m.
📍 Maggiano’s | Tampa, FL

Lunch is courtesy of Seacoast Bank. Space is limited, so register in advance: https://hubs.li/Q04yk7V_0

Digital payments and cryptocurrency can create tax questions that go beyond whether you receive a tax form. The $20,000/...
09/23/2026

Digital payments and cryptocurrency can create tax questions that go beyond whether you receive a tax form. The $20,000/200-transaction threshold for certain 1099-K reporting is a reporting rule not a tax-free threshold. And when it comes to , the tax treatment depends on what you actually do with it, from investing and trading to receiving payments, mining, staking or spending digital assets.

Understanding the difference between reporting requirements, taxable transactions and the records needed to support them can help you avoid costly mistakes at tax time. In their latest article, Stacey Craig, CPA, and Mike Cole, JD, MSPA, break down what businesses and individuals should know about , 1099-K reporting, crypto transactions and recordkeeping.

Read more: https://hubs.li/Q04xYd1s0

Is your construction company ready for the Gulf Coast's data center growth?Data center development is creating new oppor...
09/22/2026

Is your construction company ready for the Gulf Coast's data center growth?

Data center development is creating new opportunities for contractors across the Gulf Coast, from site work and utilities to electrical, HVAC, concrete and supply trades. The opportunity isn't limited to the largest firms. Pursuing this work also means preparing for new demands around workforce capacity, , , bonding and project controls.

In our latest blog, we explore where the growth is happening, what contractors need to know and how firms can prepare for what's ahead. Don't miss what's next in . Read more: https://hubs.li/Q04xYcH80

Subscribe to WIP Happens for the latest industry news and insights: https://hubs.li/Q04xYcCc0

We’re honored to be named the 2026 Best of the Bay winner for Best Accounting Firm by the Pensacola News Journal!  A sin...
09/21/2026

We’re honored to be named the 2026 Best of the Bay winner for Best Accounting Firm by the Pensacola News Journal! A sincere thank you to everyone who took the time to vote for our firm. Being recognized by the Pensacola community means so much to our team, and we’re grateful for the trust, relationships, and support that make this recognition possible.

Congratulations to all of the businesses recognized throughout the Pensacola community. We’re proud to celebrate alongside this year’s winners! View all community winners here: https://hubs.li/Q04xYnvH0

Estate planning isn’t a “set it and forget it” strategy. As tax laws, asset values and family circumstances change, your...
09/17/2026

Estate planning isn’t a “set it and forget it” strategy. As tax laws, asset values and family circumstances change, your plan should evolve with them. For 2026, there’s more to consider than the federal estate tax exemption. From prior gifts and portability to state tax exposure, valuation, liquidity and digital assets, these considerations can have a meaningful impact on your wealth and legacy.

In their latest article, Michael Cole, JD, MSPA, and Stacey Craig, CPA, outline 10 estate planning strategies high-net-worth individuals and families should review in 2026. Read more: https://hubs.li/Q04xKzKT0

Your January 1 benefits renewal doesn’t have to end with accepting the renewal terms or passing higher costs along to em...
09/16/2026

Your January 1 benefits renewal doesn’t have to end with accepting the renewal terms or passing higher costs along to employees.

Renewal season can be an opportunity to step back, rethink your benefits strategy and explore plan design and optional benefit options that may better support your organization and workforce.

In her latest article, Judy Fryer explores questions employers should consider before finalizing their next benefits package from plan design and cost considerations to employee attraction and retention.

Read the full article to start thinking beyond the renewal and how Saltmarsh can help you: https://hubs.li/Q04xHNdq0

The right opportunity can be more than your next job; it can be the next step in your career. ✨ At Saltmarsh, we believe...
09/15/2026

The right opportunity can be more than your next job; it can be the next step in your career. ✨ At Saltmarsh, we believe great work happens when talented people have the opportunity to grow, collaborate and make an impact. Our Audit and Tax teams work closely with clients, tackle meaningful challenges and bring the Saltmarsh Way to everything they do.

We’re hiring an Audit Supervisor and Tax Administration Manager to join our team. If you’re ready to grow your career alongside people who value relationships, collaboration and doing meaningful work, we’d love to meet you.

Explore the opportunities and apply today: https://hubs.li/Q04xmRkl0

We’re teeing up a great day with Associated Builders and Contractors of North Florida ! ⛳️ Saltmarsh is proud to sponsor...
09/14/2026

We’re teeing up a great day with Associated Builders and Contractors of North Florida ! ⛳️ Saltmarsh is proud to sponsor the ABC North Florida Golf Tournament on Friday, September 18. If you’re on the course, be sure to stop by our tent for an ice-cold drink, say hello to the Saltmarsh team, and enter for a chance to win a Topgolf gift card!

We’ll see you on the green! 🏌️

Address

900 N 12th Avenue
Pensacola, FL
32501

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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