Frank Koster

Shelburne, Vermont


When investing, simple is generally better than complex for several reasons. Complexity obscures costs, performance, and the overall understanding of the client, and frequently necessitates legal and/or accounting opinion, adding more costs. Further, complexity tends to impair liquidity, or the ability to convert the investment to cash. These factors, in combination with expected performance are why we are so excited to be building the practice we are here in Shelburne, Vermont.

Market & Strategy Overview | 2022 Quarter 4

Frank Koster | Articles on Investing

Frank Koster | Articles on Investing 777-9768

Don't Fight the Fed - Revisited

By Financial Advisor Frank Koster | November 8, 2022

The title of our third quarter update letter was “Don’t Fight The Fed.” It’s a long-standing adage of our industry that implies the U.S. Federal Reserve is the 800-pound gorilla in the room, and market participants should not bet against their intentions.

Investment Risk vs. Investment Return

By Financial Advisor Frank Koster | October 4, 2021

Investing entails several inherent risks. In the case of equities, investors generally think of risk as the possibility of losing money relative to the initial investment.

Using U.S. Treasury Bonds to Reduce Risk

By Financial Advisor Frank Koster | June 23, 2021

Historically, bonds have played two primary roles in balanced investment portfolios. They have generally paid a higher level of current income than stocks, making them the go-to vehicle for those in need of current income.

Active vs. Passive Investment Management

By Financial Advisor Frank Koster |

The active vs. passive management debate has raged for years, but fortunately there is a depth of empirical evidence to evaluate. S&P Dow Jones Indices, LLC publishes their SPIVA U.S. Scorecard annually, which compares active managers’ returns to those of the various S&P indexes.

Risk Management

By Financial Advisor Frank Koster |

Our goal is to identify, monitor, and manage the risks in our clients' portfolios.

What is a "Normal" Level of Interest Rates?

By Financial Advisor Frank Koster | November 17, 2022

If you have listened to or read the financial news recently, you likely have encountered commentary by countless experts, including economics professors, U.S. senators, and commercial real estate titans, expressing concern about the rising interest rate environment we are currently enduring.

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Investing for Retirement: 401k and More
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Environmental Investing: How it Differs from ESG
Vermont Financial Advisors
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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
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How Finacial Firms Bill
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Understanding Fixed Income: Interest Rate Risk
Investing in a Bear Market
Investing in Gold
Is Your Investment Advisor Worth One Percent?
Active vs. Passive Investment Management
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Articles by Dan Cunningham
Does Stock Picking Work?
The Growth and Importance of Female Investors
Behavioral Economics
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Shelburne, VT Financial Advisor

Frank Koster | Josh Kruk

145 Pine Haven Shores Road, Suite 2212

Shelburne, VT 05482

(802) 777-9768

Wayne, PA Financial Advisor

Peter Egolf | Adam Roof

851 Duportail Rd 2nd Floor

Chesterbrook, PA 19087

(610) 673-0074

Burlington, VT Financial Advisor

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77 College Street #3A

Burlington, VT 05401

(802) 503-8280

Essex, CT Office

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5 Essex Square, Suite 3A

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(860) 581-7011

Rochester, VT Financial Advisor

Available for meetings in Rochester, VT and surrounding area.

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(802) 767-7665

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