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Low Fees Matter


Our simple, transparent, extremely low 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 retirement.

As financial advisors, we drive the fund and other financial fees you pay down. Currently, if you are paying 1% or more, and many people are, you are paying too much and the compounding drag on your net worth over time will be enormous.

Because we have taken no external financing, we have the freedom to price our services low without agitating our own shareholders. Our objective is to operate a financial firm at the lowest rate possible for clients while still attracting top-tier financial advisors.

Clients love our low fees: see our growth rate | Our fee chart | More on fees

Performance of Investments


Aiming for excellent performance, we diversify investments, reduce taxes, rebalance portfolios, and offset behavioral error.

A large corpus of academic work, as well as industry experience, shows that investors in low-fee index funds, practicing what is called "passive" investing, outperform almost all active mutual funds, stock pickers, annuity products, and whole-life insurance concepts (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 as well as others.

We focus on the capital performance of your investments as well as the dividends and interest they pay you. Careful attention is given to minimize taxes, something we see overlooked in almost all inbound portfolios. Our financial advisors help clients think about their investments as a business that pays them every quarter.

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

What is an index fund? | Good behavior matters

Risk Reduction


We strive to increase returns while lowering 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 2009, these indexes were among a handful of investments that saw gains. Corporate bonds and state bonds were not safe as investors had believed.

A core tenet of risk reduction is simplicity. By distilling investments and accounts to their simplest form, our financial advisors reduce risk that is 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.

Trust


It is rare to find a financial advisor dedicated to both personal attention and low fees. That is One Day In July.

Clients trust our financial advisors with safeguarding their financial future. Trust starts here on this website: being transparent about fees. We eliminate conflicts of interest and invest our own money in the same models we use for clients.

No one pays us other than the client - we are fiduciaries, and we are 100% independent. We do not cross-sell other financial instruments like annuities or insurance. 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.

Clients work with 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.

Good Questions. Real Answers | Our Process

How We Are Different
Low-fee index funds. Transparent & fiduciary financial advisors.
Local Financial Advisor
We are in your community We are local.
Investment Management
We tailor to each client. Index funds at the core.
About Us: Past and Future
Founded on a simple idea, growing fast.
Dan's Corner
Meaningful musings from our founder.
Fiduciary
Your best interests are our priority.
Low Fees
Our fees are among the lowest in the nation.
Financial Planner
Financial advisor optimizes your financial picture.
U.S. Treasury Bonds
Use Treasury Bonds to reduce risk.
Book Recommendations
Here are some of our favorites
Who We Serve
We work with clients nationwide from all financial backgrounds.
When Should I Invest?
Life transistions = important financial decisions.
Retirement: 401k and More
Retiring? Plan the future you want.
IRA Rollovers
401k Rollovers. IRA Rollovers
Active vs. Passive Investing
We believe there is a winner in this debate.
The Investment Process
How we work: low-cost index funds, personalized attention.
Simplicity
Simplicity is the ultimate sophistication.
Investing: What to Focus On
Low-fee index funds. fee-only advisor.
Switching Financial Advisors
Can be uncomfortable, but an important step.
Advisor Recruiting
We attract top-tier talent. Not your usual firm.
Basic Investing
Let's start with Investing 101.
Understanding Your Financial Statement
Let's break it down to basics.
Index Funds
Broad market exposure, low expense.
Behavioral Finance
Nudge vs. Sludge.
Advanced Investing
Let's geek out on stats, figures, and fundamentals.
How Financial Firms Bill
Fee-based vs. fee-only, and lots more.
Who Supports Indexing?
Bogle, Swensen, Buffett, and others.
Transparency
One click to see our fees..
Mutual Funds vs ETFs
Clarifying the difference.
Does Stock Picking Work?
The resaerch says no.
Countering Arguments Against Index Funds
What happens in a down market?
Annuities
Lots of fees, little clarity.
How Do Mutual Funds Work?
Invest in the basket.
New Client? Anxiety is Normal.
The emotions of the new investor.
Financial Terms Glossary
Common investment terms you should know.
Inflation
Inflation through the investment lense.
Retired Investing
Retiring? Let us help.
Young Investors
Plant a seed, watch it grow.
High Net Worth Investors
Preserve and grow your wealth.
Investing an Inheritance
Prioritizing and planning for the future.
Widowed Investors
Managing money after a loss.
Female Investors
Your voice needs to be heard. We are listening.
For the Business Owner
Choosing what's best for your business.
Socially Responsible Investors
ESG Investing basics.

Why The Name?

Locations

Vermont

New Hampshire

Maryland

United States

Materials

Our Brochure

Advisors: Join Us

Careers

Articles on Investing

About the Secure Act

Quarterly Booklets

Services

Individual Accounts

401(k) Plans

Fiduciary

Resources

Vermont Investment Management

Vermont Retirement Planning

Vermont Wealth Management

Vermont Financial Advisors

Investment Tools

Individuals

Shelburne, VT Financial Advisors

Frank Koster | Josh Kruk

5247 Shelburne Rd, Suite #101

Shelburne, VT 05482

(802) 777-9768

Stowe, VT Finanical Advisors

Steve Schleupner

(301) 514-4499

Burlington, VT Financial Advisors

Hans Smith | Katie Muttitt

77 College Street #3A

Burlington, VT 05401

(802) 503-8280

Portsmouth, NH Financial Advisors

Paul Barry

4 Market Street, 2nd Floor

Portsmouth, NH 03801

(603) 531-3773

Frederick, MD Financial Advisors

Steve Schleupner

(301) 514-4499


Disclosures

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