Do I have to live in Vermont or New Hampshire to work with your firm?

No, you don't have to live in Vermont or New Hampshire to work with a financial advisor at One Day In July. But you must reside in the United States or Puerto Rico to become a client. We are allowed, per the regulatory authorities, to take a limited number of clients in states other than Vermont. You can see the states in which our clients live here.

Are my investments guaranteed?

No. Investments are not guaranteed. All investments may lose money, including possible loss of principal. That being said, our financial advisors will work to build real diversification into your portfolio. For example, in a severe financial crisis, United States Treasury bonds historically do better than most other asset classes. When fear takes over, investors around the world have sought the shelter of the U.S. Treasury.

Is there a minimum amount I need to get started with you?

Yes, at the moment you need $25,000 of investable assets before we can take you on as a client. However, if you have less than that and are interested, please contact us when you reach that level. Our clients range from just over our minimum to above $10,000,000. We are interested in helping people across the savings spectrum.

Can you help me invest my retirement plan at work?

Yes. Many work retirement plans are loaded with high-fee, underperforming mutual funds. It can be difficult to even find the index funds! Our financial advisors can manage your personal work retirement plan as one of the accounts under our purview if you are a client. Or, we can transition your entire business to a good, low-cost indexing plan. See more details here.

I have an older parent that needs financial help. But I want to be involved. Can you accomodate us?

Yes, definitely. There are certain legal documents that your parent will need to sign so that you can be a part of the decision making. Generally this is an excellent idea, and we are enthusiastic about it. The financial industry has a history of targeting the elderly for high fees, a practice we hope to end.

What about saving money. Do you help with that?

Yes. We can give feedback to clients who have specific questions on spending or saving. We also now have a Financial Planning option, which offers you a chance to work with a financial advisor to discuss your entire financial picture and set up a savings plan focused on your financial goals.
We also recommend signing up here for our free newsletter.

Are you a full-fledged financial planner?

The definition here is a bit in the eye of the beholder. We do not draw up a spending budget for you. We don't work in insurance, or prepare taxes. We do focus on your financial investing picture - how to save and invest enough for you to retire well and meet your life goals. We are always happy to answer questions that might come up that are in our realm of expertise. For example, if you are refinancing a house, we could discuss advantages and disadvantages of a long-term vs short-term mortgage.

Do I have to use your exact models?

The models we use will be tailored to you, so that investments are suitable for you. Beyond the index models, though, clients sometimes ask for carve-outs. For example, there may be a position in an individual stock that they are holding for nostalgic reasons. Or they may enjoy owning a part of a public company. While we don't recommend this as a strategy going forward, we recognize the need for flexibility in your plan.

Do you work with accountants and estate lawyers?

We don't generally work directly with them - you would be the person who interfaces with them. In some circumstances we will need to. We can refer you to excellent accountants and estate lawyers, particularly if you reside in Vermont and New England.

When did you start testing your index models?

In 1999 our founder, Dan Cunningham, started testing the models using his own assets. They have improved steadily over the years. Investing with these models through two extreme financial crises (dot-com crash and real estate crash) taught him a lot about how they behave in outlier situations.

What do you worry about most in finance?

We worry that people are going to outlive their savings. This problem is about to explode, and it has a painful ending. While the financial industry gets wealthy from fees, normal people will suffer. We believe we can alleviate this for people given enough savings and time.

"Gradually, and then suddenly." – Ernest Hemingway, on how he went broke.

What is an ideal long-term result in your eyes?

We would love for a client to be able to retire spending only dividends and interest and not tap their capital base. In this sense the capital base works like a business for them, producing cash quarterly. This is not always achievable but so attractive that it's worth a discussion.

Are bonds always safe?

Aha, now you're getting into specifics. The answer is no, but for the reasons, you'll have to become a client!

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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