Checklist For Investment Success

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

As financial advisors, we will help you complete the following checklist:

  • Visit for general information.
  • Complete an introductory phone call.
  • Schedule an informational meeting at our Burlington, VT office, or on Zoom.
  • Learn the details of our investment strategy.
  • Discover the importance of low-cost asset class diversification.
  • Disconnect relationship with your high-fee broker.
  • Transfer your investments and simplify account structures.
  • Determine the risk profile of each investment account.
  • Obtain a formal, written investment plan from your advisor.
  • Eliminate high-fee investment products from your portfolio.
  • Tax optimize your One Day In July investment plan as required.
  • Make initial investments into low-cost diversified index funds.
  • Establish online access to your investment accounts through Charles Schwab*.
  • Receive additional education through our newsletter & booklet.
  • Communicate with your investment advisor.
  • Rebalance your portfolio periodically.
  • Monitor tax harvesting opportunities.
  • Tune out the day-to-day "noise" from the financial media.
  • Establish a glidepath towards retirement.
  • Complete financial transition planning and cash flow analysis.
  • Monitor and adjust portfolio risk.
  • Growth of portfolio via low-cost index funds: Obtained.
  • Underperforming high-fee mutual funds: Avoided.
  • Minimization of financial fee taking: Accomplished.
  • Probability of a financially sound future: High.
  • Spending more time flying to get your $100 hamburger: Priceless.

*Note we are not directly affiliated with Schwab, and are strictly independent advisors that manage client investment accounts through their online platform.

KODJ - One Day In July Headquarters


01/19 - South Champlain Street
10/29 - College Street

Hours of Operation: 830am - 5:30 pm M-F
Phone: 802-324-6469

Get Started Today.

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Office located at 77 College Street #3A, Burlington VT
Financial Advisors located in Burlington Vermont, serving clients across the country.

Learn more about Hans Smith.

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

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

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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