It's extremely low priced.

Vanguard has shown that it is primarily fees, not asset picking skills, that drive underperformance. Many financial advisors will point out the importance of low costs, and then charge 1% or more for themselves, which is much too high. (1) For non-business level 401k or 403b plans, our fees range from 0.5% down to 0.25% (see graph to the left or here). And unlike many financial advisors and brokerages, we are not being paid by anyone "on the back end" to sell you anything that is not in your best interest.

We work across account types.

Most people have assets spread across different accounts. They may be 401(k)s, 403(b)s, savings, educational, taxable, or other types of accounts. We can work across all of them. This gives us a holisitic view of your financial situation and allows us to optimize for things like taxes.

No one pays us except for you. We are fiduciaries.

Amazingly, it is legal for mutual funds, annuities, and whole life insurance to pay financial advisors to sell you their products! This is a blatant conflict of interest. These extra fees are then passed along to you by the fund instead of by the advisor. The industry refers to them using the euphemisms "sales charge," "commissions," and "trails," but whatever the term, we believe they are unethical. You are the only one who pays us, and we make sure our billing is clear and understandable.

We don't work for a national investment firm.

Many financial advisors work for national investment firms. We do not. Frequently over the past decade the media has reported cases where the big national firms are pushing investments on clients, via their advisor network, for the financial benefit of the firm. They usually claim a "firewall" exists between the groups, a claim of which we are skeptical. Our financial advisors have no pressure to push sub-par investments and no conflicts of interest, egregious or subtle. We don't work for a big firm. We work for you. Only you.

We aim for simplicity.

Simplicity leads to understanding, understanding leads to discipline, and discipline leads to good results. It also makes your life easier, particularly at tax time. The financial industry has gone to great lengths to complicate the process. Most of this complexity is unnecessary and does not lead to better returns. Here in Burlington, Vermont, 300 miles north of the financial bustle of New York City, it's tranquil on the shores of Lake Champlain. We will reflect this tranquility and simplicity in your investment strategy.

As the Japanese proverb says, "It is only in still water that we can see."
Read more: 99% of trading is pointless.

We minimize software tools and logins. And we don't have call centers.

Tired of trying to remember new logins for web-based portals everywhere you turn? We're not going to add more for you. As Microsoft's current CEO says "What is scarce in all of this abundance is human attention." We're going to pay attention to you, not burden you with more software to figure out. We will not redirect you to a website to get answers - you can pick up a phone and call us, or email or text us, and we'll respond. All clients get their financial advisor's cell phone number. We do not believe in call centers.

The importance of longevity.

To do well for you over a long period of time, we need to understand your situation and think in decades, not months or even years. This is not the prevailing culture in finance. Today, clients of larger firms often will get call center treatment when they have questions, and your financial advisor won't necessarily stay the same. Additionally, we're not contracted by your employer, so if you change jobs it will not disrupt our client-advisor relationship. At One Day In July, we will be with you over the long term.

1. Source: Financial Advisor Fee Comparison. 7/31/17.

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.
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 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.
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?
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 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?



New Hampshire


United States


Our Brochure

Advisors: Join Us


Articles on Investing

About the Secure Act

Quarterly Booklets


Individual Accounts

401(k) Plans



Vermont Investment Management

Vermont Retirement Planning

Vermont Wealth Management

Vermont Financial Advisors

Investment Tools


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


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