Investment Management
Fiduciary Financial Advice

One Day In July provides personalized investment management and fiduciary financial advice for individuals, families, and institutions. As fiduciary financial advisors, we work with clients to understand their financial goals and build investment solutions.

(802) 503-8280 | Schedule a free consultation.

Get Started Today.

Please enter a first name.
Please enter a last name.
Please enter an email address.
Please enter a ZIP code.
Please select an asset level.
1000 characters remaining
Please enter a message.

Get Started Today.

Please enter a first name.
Please enter a last name.
Please enter an email address.
Please enter a ZIP code.
Please select an asset level.
1000 characters remaining
Please enter a message.

Get Started Today.

Please enter a first name.
Please enter a last name.
Please enter an email address.
Please enter a ZIP code.
Please select an asset level.
1000 characters remaining
Please enter a message.

Low Fees Matter

Our simple, transparent, low advisory fees.

Market economies have delivered enormous returns to investors, yet many people have recognized only a fraction of them. A dominant reason, which the financial industry rarely publicizes, is fees. Quietly, in places that are hard to see and understand, fees grind away at your investments and diminish your wealth.

As your financial advisor, one of our primary goals is to drive down the fund expenses and other financial fees you pay. If you are paying 1% or more, and many people are, we believe you are paying too much, and the compounding drag on your net worth over time could be enormous.

Because we have taken no external financing, we have the freedom to price our services low without agitating our shareholders. Our objective is to operate a financial firm that provides excellent financial advice at the lowest cost possible for our clients.


One Day In July has a proprietary simulator tool that advisors can use to show qualifying prospective clients how their past investment performance may have varied had they been invested in a diversified portfolio of low-cost index funds.

Low fees are important. Let us show you why.

Simulator performance information is intended for experienced investors only or those maintaining at least a basic knowledge and understanding of investments and financial markets.

Additional disclosures

Performance of Investments

Aiming for excellent portfolio performance, we diversify assets, minimize taxes, rebalance portfolios, and help investors avoid behavioral errors.

A large body of academic work shows that investors in low-fee index funds practicing passive investing outperform almost all active funds over the long term.1 This work originated at Princeton, MIT, and the University of Chicago and has been verified repeatedly over the past 50 years. We have extended it with insights from the Yale University endowment and others.

We focus on the capital performance of your investments and the dividends and interest they pay. Careful attention is given to minimizing taxes. Our financial advisors help clients think about their investments like a business that pays them income every quarter.

We encourage clients to view investments on an after-tax, after-fee, after-inflation, risk-adjusted basis. That is the correct way to analyze performance.

1. SPIVA: Active vs. Passive Scorecard

"Overwhelmingly, mutual funds extract enormous sums from investors in exchange for providing a shocking disservice.""

Former Chief Investment Officer, Yale University

"The stock market serves as a relocation center at which money is moved from the active to the patient."

Letter to Shareholders

Fiduciary Financial Advisors

One Day In July Financial Advisors are dedicated to both personal attention and low fees.

Clients trust One Day In July Financial Advisors with safeguarding their financial future. Trust starts with being transparent about fees (see our fees table here). We aim to eliminate common conflicts of interest and invest our own money primarily in low-cost index funds.

One Day In July is a 100% independent investment firm - no one pays us other than the client. Our financial advisors act as fiduciaries all the time, across all accounts. One Day In July financial advisors do not cross-sell annuities, insurance, or other financial instruments that would pay us commissions and cause a conflict of interest. We do not answer to bosses in New York demanding sales quotas be met. Although we use products from Vanguard, iShares, and Schwab, we do not work for them.

"It is surely arguable that when the average equity-fund investor earns one-twelfth of the stock market's return, that could itself be regarded as a scandal."

Founder of Vanguard

"There is no investment product so great that a fee cannot make it bad."

Hedge Fund Manager

Investment Risk Reduction

We strive to increase investment returns while mitigating risk, a core tenet of modern portfolio theory.

To do this, true diversification is needed so that assets are "uncorrelated" with each other. This means they do not all move in the same direction at the same time. Generally, we buy indexes of United States Treasury bonds to provide downside risk protection. In 2008 and 2020, these indexes were among a handful of investments that saw gains. Corporate bonds and state bonds were not as safe as investors had believed.

Simplicity drives risk reduction. By distilling investments and accounts to their simplest form, our financial advisors reduce the risk inherent in complexity. Our firm is built on stable pillars in finance: we use Vanguard and iShares index funds, among others, and client money is held at Charles Schwab and other established firms. We primarily purchase ETFs but hold mutual funds and other securities as well.

Historically, United States Treasury bonds generally have moved inversely with equities, although there have been exceptions. There is no guarantee that Treasury bonds will be uncorrelated with equities in the future.

"Paying the least for a haircut or for tacos usually is not a great way to go. But mutual funds are a very unusual market; it's one of the only types where price and performance are inversely correlated. That's hard to get your head around. Unlike most products, fees are what ruin performance."

Author of "Empire of the Fund"

"Most investors, both institutional and individual, will find that the best way to own common stocks (shares) is through an index fund that charges minimal fees. Those following this path are sure to beat the net results (after fees and expenses) of the great majority of investment professionals."

Letter to Shareholders

Dedicated Financial Advisor

Every client has a dedicated financial advisor with access to that financial advisor's cell phone.

We are not a call-center firm: we believe there are significant benefits, both in investment returns and stress reduction, to a long-term advisory-client relationship. In-person meetings, where possible, are welcome. We use computers behind the scenes but do not let algorithms trade client accounts. We do not outsource investment decisions to other firms.

Clients like this relationship because it is built on trust and makes their lives easier. We like it because as we get to know you, we can make better investing and financial decisions for you. In times of euphoria and panic, you can reach your dedicated financial advisor for discussion.

Dan Cunningham | Founder, One Day In July

"When our financial system - essentially our money managers, marketers of investment products - put up zero percent of the risk yet receive fully 80 percent of the return, something has gone terribly wrong in our financial system."

Letter to Shareholders

"These days everyone has the same data regarding the present and the same ignorance regarding the future."

Oaktree Capital

How We Are Different
Understanding Your Financial Statement
Articles by Dan Cunningham
Investing with Low Cost Index Funds
Pay Yourself First
Why Use a Fiduciary Financial Advisor?
Vermont Financial Planning
Quarterly Booklets
Financial Planning
Investor Resources
Investment Tools
Financial Firm Comparison
The Investment Process
One Day In July in the Media
Local Financial Advisor
How to Switch Financial Advisors
Frequently Asked Questions
Book Recommendations
Types of Investors
One Day In July Careers
Prospect Booklet
Square Mailers
Fee Calculator
Types of Accounts We Manage
Options for Self-Employed Retirement Plans
Saving Strategies
What to do When Receiving a Pension
Investment Tax Strategy: Tax Loss Harvesting
Vermont Investment Management
How to Invest an Inheritance
Investment Tax Strategy: Tax Lot Optimization
Vermont Retirement Planning
How to Make the Best 401k Selections
Investing for Retirement: 401k and More
Vermont Wealth Management
How to Rollover a 401k to an IRA
Investing in Bennington, VT
Vermont Financial Advisors
Investing in Albany, NY
Investing in Saratoga Springs, NY
New Hampshire Financial Advisors
Should I Try to Time the Stock Market?
Mutual Funds vs. ETFs
The Cycle of Investor Emotion
Countering Arguments Against Index Funds
Annuities - Why We Don't Sell Them
Taxes on Investments
How Financial Firms Bill
Low Investment Fees
Retirement Financial Planning
Investing in a Bear Market
Investing in Gold
Is Your Investment Advisor Worth One Percent?
Active vs. Passive Investment Management
Investment Risk vs. Investment Return
Who Supports Index Funds?
Investing Concepts
Does Stock Picking Work?
The Growth and Importance of Female Investors
Behavioral Economics
The Forward P/E Ratio

Vergennes, VT Financial Advisors

206 Main Street, Suite 20

Vergennes, VT 05491

(802) 777-9768

Wayne, PA Financial Advisors

851 Duportail Rd, 2nd Floor

Chesterbrook, PA 19087

(610) 673-0074

Burlington, VT Financial Advisors

77 College Street, Suite 3A

Burlington, VT 05401

(802) 503-8280

Middlebury, VT Financial Advisors

79 Court Street, Suite 1

Middlebury, VT 05753

(802) 829-6954

Hanover, NH Financial Advisors

26 South Main Street, Suite 4

Hanover, NH 03755

(802) 341-0188

Rutland, VT Financial Advisors

734 E US Route 4, Suite 7

Rutland, VT 05701

(802) 829-6954

v 2.4.59 | © One Day In July LLC. All Rights Reserved.