Transitioning your financial future to One Day In July is seamless, secure, and straightforward. Once you decide to enroll, our team helps handle all the necessary paperwork. We typically open your new accounts within 1 to 3 business days and complete secure asset transfers and initial trades within 7 to 10 business days.
Here is what the onboarding process looks like:
Your One Day In July financial advisor begins with a thorough review of your current accounts. Whether you hold an IRA, 401(k), 403(b), taxable brokerage account, or 529 college savings plan, we evaluate your complete financial picture to identify immediate areas for improvement.
Next, we align your portfolio with your personal timeline. By discussing upcoming milestones—such as a child heading to college or your target retirement date—we map out your yearly cash flow requirements and gain a clear understanding of your long-term financial goals.
Markets fluctuate, but your peace of mind shouldn't. Your advisor will guide you through realistic scenarios to accurately evaluate your risk tolerance. By determining exactly how much market volatility you are comfortable with, we help ensure your investment strategy remains steady even during economic uncertainty.
At One Day In July, we promote simplicity. We distill your account structure into its most streamlined form. We firmly believe that simplicity leads to understanding, understanding breeds discipline, and discipline prevents emotion-driven investment decisions (like buying high and selling low).
Once your accounts are safely opened and linked, your advisor implements your tailored, long-term investment plan. Designed in close consultation with you, this plan balances your risk tolerance, financial goals, and desired cash flow into a sustainable structure built to withstand market highs and lows.
During onboarding, we systematically free your assets from high-fee products. Because switching investments can trigger taxable events, we proceed with careful strategic planning. While we generally utilize a diversified group of low-cost index funds, we will phase out legacy positions gradually if doing so helps mitigate heavy capital gains taxes.
Rebalancing is an important, ongoing process. Because it isn’t entirely formulaic, executing it carefully can minimize tax liabilities and optimize overall returns. Research shows that asset allocation drives over 90% of the variation in a portfolio's performance,1 making it essential to prevent your allocations from drifting off plan. Your financial advisor will help keep you informed throughout this process.
Your life will change over time—whether through career moves, marital changes, expanding families, or shifting goals. By keeping your advisor informed of major developments, we ensure your long-term investment strategy evolves to match your situation and keep you on track.
One of the benefits of index fund investing is that it allows you to tune out the noise. We won't bombard you with short-term "hot tips" or reactionary market trades. Instead, your One Day In July advisor handles the heavy lifting, liberating you to focus on other pursuits and what matters most: your work, your hobbies, and your family.
We also have a monthly investment newsletter from which you may benefit. Sign Up
1. Financial Analysts Journal, Vol. 42, No. 4 (Brinson Et Al. (1986), "Determinants of Portfolio Performance".
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