High Net Worth Individual Investors


As a high net worth investor, everything on the standard investor page is still relevant to you. We believe simplicity improves your life, and we do not conflate wealth with complexity. However, there are some parts of the investment process where our customized approach can be particularly impactful for high net worth investors.

Taxation is an important issue, and we focus on minimizing it for our clients. Tax mitigation strategies are implemented on your accounts from the start of the investment process. In addition, we work closely with accountants to help navigate often complicated and unclear taxes that may apply to your investments – whether they are of immediate importance or something to be considered down the line.

This service can be of particular help to business owners, who often must navigate a complicated and ever-changing tax system. Whether it is regarding day-to-day operations or creating a plan to unwind or sell a business, we have advisors with vast experience in this area who can help business owners design an efficient strategy and find clarity amid complexity.

Estate planning considerations can be another important part of high net worth investing. When needed, our advisors partner with estate attorneys to make sure your money is set up to perform optimally over a long period of time, helping to ensure your legacy is left the way you intend.

There are several other areas in which we can provide expertise and assistance that are often relevant to high net worth investors. These include managing required minimum distributions (RMDs), college savings planning, cash flow planning and budgeting, risk mitigation, eventual capital disbursement - whether via inheritance or charitable giving, and more.

For high net worth investors interested in environmental investing, we have a dedicated solution.

As a high net worth investor, our low fees may be one of the most important pieces of the service we provide. The graphs below demonstrate the One Day In July advisory fee structure as compared to the industry average. Beyond just AUM (assets under management) fees, many firms tack on a variety of other fees that can chop away at your wealth. You can see many of the fees charged by the financial industry here.



One Day In July vs. Industry Average Asset-Based Fee Rate



One Day In July vs. Industry Average Annual Fees

*Industry average data source:
https://www.advisorhub.com/fee-compression-a-myth-advisory-fees-tick-up-after-years-of-decline/


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DIFFERENTIATORS
GETTING STARTED
MATERIALS
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
SERVICES
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
INVESTING THOUGHTS
Should I Try to Time the Stock Market?
Mutual Funds vs. ETFs
Inflation
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

Shelburne, VT Financial Advisor

Frank Koster | Josh Kruk

145 Pine Haven Shores Road, Suite 2212

Shelburne, VT 05482

(802) 777-9768

Stowe, VT Finanical Advisor

Available for meetings in Stowe.

Peter Egolf

(802) 999-2321

Burlington, VT Financial Advisor

Hans Smith | Katie Bensel

Nancy Westbrook | Peter Egolf

Adam Roof

77 College Street #3A

Burlington, VT 05401

(802) 503-8280

Essex, CT Office

Keith McCarthy

5 Essex Square, Suite 3A

Essex, CT 06426

(860) 581-7011

Rochester, VT Financial Advisor

Available for meetings in Rochester, VT and surrounding area.

Carrie McDonnell

(802) 767-7665


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