FEE-ONLY FINANCIAL PLANNING 

OUR MISSION:

To provide the best possible financial, investment, and tax advice to all of our clients, always meeting our high fiduciary standards.

Our vision is to help our clients achieve their life goals and dreams, through financial education and helping them align their finances to their values.

OUR MISSION:

To provide the best possible financial, investment, and tax advice to all of our clients, always meeting our high fiduciary standards.

Our vision is to help our clients achieve their life goals and dreams, through financial education and helping them align their finances to their values.

OUR STORY

While the SALTBOX FINANCIAL name was unveiled in 2021, our story goes back to 1999, when we were founded as Peace of Money in Cambridge, Massachusetts. Although there were few women-run, fee-only advisory practices at this time, Peace of Money was part of this growing group under the ownership of Charlo Maurer.

Vera Kelsey-Watts joined the firm in 2012, and by 2015 helped double their client volume, and opened our new office in Jamaica Plain. In 2018, Peace of Money became a jointly owned and operated LLC, until Charlo’s retirement in 2020. In 2021, Phuong Luong joined the firm. Today, under the name SALTBOX FINANCIAL, we continue to honor and grow the original mission, serving a diverse clientele and offering expert financial and tax advice at the highest fiduciary standard.

Our headquarters are in Newburyport, and our commitment to using technology to better serve our clients allows us to have virtual meetings across the nation.

We meet our clients wherever they are in their financial journey.

ABOUT

SALTBOX

An independent, fee-only financial planning firm since 1999.

Our License + Registration

A Fee-Only Fiduciary Firm

Fee-Only means that you pay only for our advice, guidance and management–never a commission for any investment product. Unlike most advisors, we take no commissions and do not sell any investment or insurance products. We are only compensated by our clients, never any third parties. 
 
Being an independent fee-only planning firm enables us to provide clients with personalized, objective advice. 
Fee-only is not the same as "fee-based" – advisors who describe themselves as "fee-based" can receive third party compensation and sales fees.

Certified Financial Planner Board of Standards

Vera and Phuong are CERTIFIED FINANCIAL PLANNER™ professionals. The designation comes with extensive training in financial planning, estate planning, insurance, investments, taxes, employee benefits and retirement planning, as well as in CFP Board’s Standards of Professional Conduct, which are rigorously enforced. 
The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors. Vera is a NAPFA-Registered Financial Advisor, the highest level membership of the National Association.

National Association of Personal Financial Advisors (NAPFA)

State + Federal Registration

SALTBOX FINANCIAL LLC is a Registered Investment Advisor (RIA) registered in the Commonwealth of Massachusetts and the State of New Hampshire. We work with clients across the country.

Vera Kelsey-Watts, CFP® is a Registered Investment Advisor Representative (RIAR) of SALTBOX FINANCIAL LLC

Phuong Luong, CFP® is an Investment Advisor Representative of SALTBOX FINANCIAL LLC