Seth Gillim

Investing Thoughts

It is never too late. Almost every day I talk to someone who feels like they are behind on saving, that they missed the last big market rally, or that they should have done more to prepare for retirement. I see this in people who have very little saved, but also in people who have managed to accumulate quite a lot.

The uncomfortable truth is that you cannot rewind the clock. The more we worry about the past, the more we lose sight of what we do have control over: our present-day goals and habits. Good financial advice isn’t about hot stock tips or shorting meme stocks; it’s about engaging in the investment behaviors that historically lead to success—setting a goal and sticking with it. As Morgan Housel wrote in The Psychology of Money, “there are few financial variables more correlated to performance than commitment to a strategy during its lean years.”

The simple truth is that you win or lose with the fundamentals. At One Day In July, we believe keeping fees low, diversifying your portfolio, and helping you stick to your investment plan is a winning combination. And winning is fun.

Education & Career

I was born and raised in Underhill, Vermont, and currently live with my wife and two daughters in Cambridge, less than five miles from the house where I grew up. After earning a B.A. in History and Literature from Bard College, I spent many years working in horticulture before completing an MBA in UVM’s Grossman School of Business Sustainable Innovation program. Prior to joining One Day In July, I held director-level roles for several regenerative agriculture start-ups (fun fact: I served as senior project manager on the largest chestnut orchard development in the United States, at over 1,800 acres).

My professional passion has always centered on growing and sustaining vibrant rural economies. One of the things I love most about One Day In July is that it’s a Vermont-based firm that has grown to over $1.5 billion in assets under management while staying true to its core mission and clients.¹ In fact, I was a client for many years before joining the team.

More About Me

In my spare time, I enjoy reading fiction (favorite author: W.G. Sebald), learning new skills (I’m currently taking piano lessons and learning French), and taking advantage of the cultural amenities that make Vermont special, from shows at the Flynn to concerts with the Lane Series. On winter weekends, you’ll usually find me downhill skiing at Smuggler’s Notch or cozied up by the fire with my dogs—two very cute (and very affectionate) Yorkie/Shih-tzu mixes. I am also an avid soccer fan and support CF Montréal, Manchester United, and Nordic Youth Soccer, where my daughter has played for many years.

"Seth - Thank you for being so good at what you do, and for guiding but not directing my decisions. Our meeting was the high point of my day, a major exhale. And that’s the most and best a client could ever ask."
- Current One Day In July Client, June 2026

This is a testimonial of One Day In July LLC (ODIJ) by a current client of the firm. ODIJ has not provided any direct or indirect compensation for this testimonial. This testimonial may not be representative of every client's experience. Furthermore, the experiences obtained by this client are not indicative of the future experiences that may be obtained by any of ODIJ's clients.


1. One Day In July AUM as of June 30, 2026. https://www.onedayinjuly.com/assets