Discuss

Examine your accounts

We'll begin with you by reviewing your current accounts. This includes IRA, 401(k), 403(b), taxable brokerage accounts, 529, and others. This gives us a holistic view of your situation. Your financial advisor will come up to speed on where you are and identify areas to improve.

Your goals, life events, and cash needs

Discussing big life events on the horizon, like a child entering college or a planned retirement date, is the next step. Getting a sense of your yearly cash flow living needs is also something we'll do together. And we need to understand your long-term financial goals.

Your tolerance for risk

Your financial advisor will step through some scenarios to help understand your tolerance for risk, in an effort to determine what investments are suitable for you. This process is important because people will often act differently in a crisis than they anticipate. So we'll try to determine how much risk you can absorb while still feeling comfortable.

Implement

Simplify

We're big proponents of simplicity and we will try to distill your account structure to the simplest possible form. Our financial advisors believe that simplicity leads to understanding, understanding leads to discipline, and discipline helps prevent behavioral changes at inopportune times (buying high and selling low).

"The Liberation"

During "The Liberation" we'll strip away as many financial fees from your assets as possible.

"The Liberation" is our internal name for the initial implementation step. It is here that we strip away, or liberate, your assets from the financial fee takers. Consideration needs to be given to taxes here, as taxable events are often generated at this step (a process that, while unfortunate, is generally beneficial long term). We can implement "The Liberation" in different ways, depending on your situation when you begin with us.

Investment model implementation

Once your assets have been through "The Liberation," the next step is to implement a long-term financial plan for you. This considers the various needs and constraints you have in terms of goals, cash flow, and big event needs. It factors in your penchant for risk and aims to provide you with a suitable, maintainable long-term structure. You want your investment model to be one that you will not change in periods of euphoria or crisis.

Review

Rebalance

Rebalancing is an important ongoing process. It's not entirely formulaic; done carefully, many taxes can be avoided and returns can be optimized. Twice yearly we will examine which assets in your account need to be rebalanced and execute that for you. Studies show that 90% of the difference in returns relates to asset allocation, so it is important to keep your allocations from drifting off plan. Your financial advisor will keep you in the loop during the process.

Review life events

Your life will change over time. Your goals may change, your cash needs may change, the number of kids you have may change, your marital status may change. Keeping abreast of these developments in your life will help us work together to make sure you stay on track.

Reward

Relax

One of the benefits to passive investing is that it's, well, passive. We're not going to bombard you with "the next great trade" or world events that you have to respond to. In fact, we'll encourage you not to watch financial news or get caught up in the casino antics of the stock market. We'll help you mentally prepare for a future crisis or bubble: we'll train you for those scenarios ahead of time. But otherwise hiring us should help you to focus on other pursuits, whether they are work, hobbies, or family.

And remember:

"The stock market serves as a relocation center at which money is moved from the active to the patient."
Warren Buffett

One more thing: We have a monthly investment newsletter from which you may benefit. Click here.

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

© One Day In July LLC. All Rights Reserved.