Rebalancing

Our index fund rebalancing approach has delivered impressive results. It is proprietary to One Day In July.

Communication

We communicate with you at the level you desire. We aim to be diligent and get back to clients quickly. Our communications are understandable and approachable.

Your assets are secure

Money is held in accounts at Charles Schwab and Matrix Trust. If we manage external retirement or educational savings accounts for you, that money is not moved from its present location.

Low Fees

Our advisory fees, the funds we use, and trading fees are among the lowest in the nation (1). We are an ultra-low fee advisor, and we encourage you to compare our fees with others.

Investment Allocation

Twenty years of work have led to investment models that are diversified and prepared for different market environments. Each portion of the portfolio serves a specific function for you.

Behavior

We are long-term thinkers and investors, and we know "bad" human behavior destroys investor returns. We provide a steady, stay-the course mentality through thick and thin.

No Conflicts of Interest

Many advisors are paid "on the back end" by the funds they put in client accounts. We will not do this: our loyalty is only to you. We are not owned by a large financial or insurance company.

Easy to Start or Switch

We do almost all the paperwork for you to join our firm. We manage the entire process of opening accounts and moving money, and we help you get & stay organized.

About Us

We are a rapidly-growing firm headquartered in Vermont with a New Hampshire office, but we can serve clients in all 50 U.S. states. Our objective is to maximize our effect, not our profits.

(1) Source: Kitces.com Financial Advisor Fee Comparison 7/31/2017




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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