Vermont Financial Planner

One Day In July Financial Planning Services

The core elements of our financial planning approach

One Day In July offers clients general financial planning advice. Through this service, your financial advisor can help you better understand your unique financial situation and goals, focusing on helping you budget, save, and invest in ways designed to maximize your potential wealth in the long run, while minimizing day-to-day financial stress. In addition to optimizing savings and investments, financial planning objectives may include evaluating client resources, identifying financial time horizons and tolerance for risk, and review and consideration of issues such as needed cash flow, major purchase decisions, college planning, retirement planning, charitable giving planning, and tax consequences of financial decisions. From time to time, One Day In July refers complex financial planning cases to a third-party financial planner.1


Financial Planning stems from habits and behaviors

Through a careful process of building a trusting relationship with you around your financial needs and goals, educating you about your options, and guiding you towards sound financial health, your financial advisor is committed to helping you improve your financial well-being to better support you and your family today and into the future. We teach our clients that financial integrity is beyond product. It stems from instilling good habits and behaviors, increasing savings, and opening up your awareness of your unique relationship with money.


The scope of our financial planning advice

It is important to note that One Day In July does not offer trust planning, estate planning, complex insurance analysis, or accounting services. We can refer clients to other professionals who provide the services that we do not offer. Our general financial planning advice, as described above, is included within the scope of service for our investment advisory clients that request it. There is no separate fee for general financial planning advice.


1When One Day In July (“ODIJ”) refers clients to third-party financial planners or other professionals, ODIJ does not receive any compensation for these referrals. ODIJ recommends that its clients regularly consult with their tax advisors prior to and throughout their engagement of ODIJ with respect to both financial planning strategies and investment of their assets.


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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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