Hans Smith

Burlington, Vermont

(802) 324-6469hans@onedayinjuly.com

I enjoy teaching clients the value of low-cost asset class diversification. Every investment position in a portfolio should serve a purpose, and that purpose should not be to benefit your broker.

Hans Smith | Articles on Investing

Hans Smith | Articles on Investing

hans@onedayinjuly.com(802) 324-6469

Why Work with One Day In July

By Financial Advisor Hans Smith

We provide financial and investment advice that is only in our client's best interest. Sadly, only a small fraction of Financial Advisors have this type of approach.

Mutual Fund Class A Shares: Front-End Load

By Financial Advisor Hans Smith | January 3, 2023

In our view, placing clients in Class A share mutual funds is a practice that is unnecessary, costly to the consumer of investment advice, and nontransparent.

4 Benefits of Index Fund Investing

By Financial Advisor Hans Smith | September 1, 2022

1. Attractive Investment Returns
2. Tax Efficiency
3. Diversification
4. Cost

The Cycle of Investor Emotion

By Financial Advisor Hans Smith | June 3, 2022

Emotion can be a driver of poor investment decision making. Numerous studies show that investors tend to panic and bail out of stocks at just the wrong time.

7 Items That Generate Investment Returns

By Financial Advisor Hans Smith | September 23, 2019

Excessive fee-taking. Commission based products. Annuities. Individual stock picking. High expense mutual funds. For decades these products have been useful in lining a broker's pockets, but are suboptimal for the consumer of investment advice.

Should I Try to Time the Stock Market?

By Financial Advisor Hans Smith | July 13, 2020

There are two central problems with trying to forecast stock market movements: Investors don't know tomorrow's news, and investors don't know how the market is going to react to tomorrow's news.

What is Mutual Fund Revenue Sharing?

By Financial Advisor Hans Smith

The published expense ratio lets an investor know the annual cost they will pay to invest in a specific mutual fund, and how much their investment returns will be reduced. The mutual fund expense ratio is separate and distinct from any applicable investment advisory fees that you would also be subject to if you work with a financial advisor.

401k to IRA Rollover

By Financial Advisor Hans Smith | August 14, 2020

After leaving a job, you have the option to complete a "direct rollover" of your workplace 401k or 403b into an Individual Retirement Account (IRA).

Helping you Fight Through "Financial Sludge"

By Financial Advisor Hans Smith | October 1, 2019

Financial Sludge: Insurance and financial companies deliberately making the process of transferring outbound funds as time consuming and uncomfortable as possible.

Pension to IRA Rollover

By Financial Advisor Hans Smith | August 17, 2020

Should you take the lump-sum pension payout option and transfer the assets from a pension to an IRA?

Investing an Inheritance

By Financial Advisor Hans Smith

At One Day In July, we manage Inherited IRAs, Inherited Trust Accounts & Brokerages, and help clients transfer their assets from an inherited 401k into Individual Retirement Accounts (IRAs).

Types of Accounts We Manage

By Financial Advisor Hans Smith

Tradition & Roth IRAs, Individual & Joint Brokerages, Revocable & Irrevocable Trusts, Workplace 401k, 403b & 457 Retirement Plans, SEP IRAs, and many more.

Budget, Save, and Invest

By Financial Advisor Hans Smith | August 17, 2020

Transitioning from the workforce to retirement can be a financially stressful time. Prior to this transition, it's a good time to take a close look at your investment risk, and obtain a solid understanding of your personal cash flows.

401k Investment Selections

By Financial Advisor Hans Smith | August 17, 2020

More often than not, 401k and 403b plans default employee contributions into target dated investment funds. These funds may not be the ideal investment choice for many investors.

An Aviator's Checklist for Investment Success

By Financial Advisor Hans Smith

An aviator's guide to lower your investment fees, improve portfolio performance, minimize your taxes, and simplify your financial life.

How Are We Different
Understanding Your Financial Statement
Articles on Investing
Investing with Low Cost Index Funds
Pay Yourself First
About the SECURE Act
Why Use a Fiduciary Financial Advisor?
Financial Planning
Quarterly Booklets
Simple, Low Investment Fees
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
Types of Investors
One Day In July Careers
Square Mailers
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
Environmental Investing: How it Differs from ESG
Vermont Financial Advisors
How to Invest for College Savings
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
Aim for Average
How Finacial Firms Bill
Low Investment Fees
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
Investment Risk vs. Investment Return
Who Supports Index Funds?
Articles by Dan Cunningham
Does Stock Picking Work?
The Growth and Importance of Female Investors
Behavioral Economics
The Forward P/E Ratio

Shelburne, VT Financial Advisor

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145 Pine Haven Shores Road, Suite 2212

Shelburne, VT 05482

(802) 777-9768

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Burlington, VT Financial Advisor

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Rochester, VT Financial Advisor

Available for meetings in Rochester, VT and surrounding area.

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(802) 767-7665

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