Low Fees. Fiduciary Financial Advice. Personalized Service.

As Fiduciary Financial Advisors, we invest using low-cost, diversified index funds. Our approach rests on Nobel Prize-winning research and decades of empirical academic studies.
How We Work Why This is Different Always Fiduciaries

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Low Fees Matter

Our simple, transparent, low advisory fees.

Market economies have delivered enormous returns to investors, yet many people have recognized only a fraction of them. A dominant reason, which the financial industry rarely publicizes, is fees. Quietly, in places that are hard to see and understand, fees grind away at your investments and diminish your retirement.

As your financial advisors, one of our primary goals is to drive the fund and other financial fees you pay down. Currently, if you are paying 1% or more, and many people are, we believe you are paying too much and the compounding drag on your net worth over time will be enormous.

Because we have taken no external financing, we have the freedom to price our services low without agitating our own shareholders. Our objective is to operate a financial firm at the lowest rate possible for clients while still attracting top-tier financial advisors.

See our growth rate | Our fee chart | More on fees

Performance of Investments

Aiming for excellent portfolio performance, we diversify investments, minimize taxes, rebalance portfolios, and offset behavioral error.

A large corpus of academic work, as well as industry experience, shows that investors in low-fee index funds, practicing what is called "passive" investing, outperform almost all active funds1. This work originated at Princeton, MIT, and the University of Chicago and has been verified repeatedly over the past 50 years. We have extended it with insights from the Yale University endowment as well as others.

We focus on the capital performance of your investments as well as the dividends and interest they pay. Careful attention is given to minimize taxes. Our financial advisors help clients think about their investments as a business that pays them every quarter.

We encourage clients to view investments on an after-tax, after-fee, after-inflation, after-risk-adjusted basis. That is the correct way to analyze performance.

1. SPIVA: 2020 Mid-Year Active vs. Passive Scorecard

What is an index fund? | Good behavior matters

Investment Risk Reduction

We strive to increase investment returns while mitigating risk, a core tenet of modern portfolio theory.

To do this, true diversification is needed, so that assets are "uncorrelated" with each other. This means they do not all move in the same direction at the same time. Generally, we buy indexes of United States Treasury bonds to provide downside risk protection. In 2008 and 2020, these indexes were among a handful of investments that saw gains. Corporate bonds and state bonds were not as safe as investors had believed.

Simplicity drives risk reduction. By distilling investments and accounts to their simplest form, our financial advisors reduce the risk inherent in complexity. Our firm is built on stable pillars in finance: we use Vanguard and iShares index funds, among others, and client money is held at Charles Schwab and other established firms. We primarily purchase ETFs but hold mutual funds and other securities as well.


One Day In July Financial Advisors are dedicated to both personal attention and low fees.

Clients trust One Day In July Financial Advisors with safeguarding their financial future. Trust starts with being transparent about fees (see our fee table here). We aim to eliminate common conflicts of interest and invest our own money primarily in low-cost index funds.

One Day In July is a 100% independent investment firm - no one pays us other than the client. Our financial advisors act as fiduciaries all the time, across all accounts. One Day In July financial advisors do not cross-sell annuities, insurance, or other financial instruments that would pay us commissions and cause a conflict of interest. We do not answer to bosses in New York demanding sales quotas be met. Although we use products from Vanguard, iShares, and Schwab, we do not work for them.

Clients work with a dedicated financial advisor with access to that financial advisor's cell phone. We are not a call-center firm: we believe there are significant benefits, both in investment returns and stress reduction, to a long-term advisory-client relationship. In-person meetings, where possible, are welcome. We use computers behind the scenes but do not let algorithms trade client accounts. We do not outsource investment decisions to other firms.

Good Questions. Real Answers | Our Process | Fiduciary Financial Advisors

Overwhelmingly, mutual funds extract enormous sums from investors in exchange for providing a shocking disservice.

Former Chief Investment Officer, Yale University

When our financial system - essentially our money managers, marketers of investment products - put up zero percent of the risk yet receive fully 80 percent of the return, something has gone terribly wrong in our financial system.

Letter to Shareholders

These days everyone has the same data regarding the present and the same ignorance regarding the future.

Oaktree Capital

The expense ratio is the most proven predictor of future fund returns. The findings worked for every category over every time period.

Morningstar Research, 2016

There is no investment product so great that a fee cannot make it bad.

Hedge Fund Manager

Most investors, both institutional and individual, will find that the best way to own common stocks (shares) is through an index fund that charges minimal fees. Those following this path are sure to beat the net results (after fees and expenses) of the great majority of investment professionals.

Letter to Shareholders

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

Letter to Shareholders

Paying the least for a haircut or for tacos usually is not a great way to go. But mutual funds are a very unusual market; it's one of the only types where price and performance are inversely correlated. That's hard to get your head around. Unlike most products, fees are what ruin performance.

Author of "Empire of the Fund"

It is surely arguable that when the average equity-fund investor earns one-twelfth of the stock market's return, that could itself be regarded as a scandal.

Founder of Vanguard

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.
Index Funds
Broad market exposure, low expense.
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.
What is inflation, and what causes inflation.
When Should I Invest?
Life transitions = 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.
Taxes on Investments
What causes taxes within your investments?
Behavioral Economics
The less emotion, the better.
Timing the Market in 2020
2020 - a case study in the futility of market timing.
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 research 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.
How to Relieve Financial Stress
New client? anxiety is normal.
Financial Terms Glossary
Common investment terms you should know.
Firm Comparison
One Day In July vs the competition.
Retirement Investing
Retiring? Let us help.
Accounts We Manage
We manage a wide range of investment account types.
Pay Yourself First
Saving and Investing for the future.
Investing an Inheritance
Prioritizing and planning for the future.
Frequently Asked Questions
Good questions, real answers.
Women and Investing
Your voice needs to be heard. We are listening.
For the Business Owner
Choosing what's best for your business.
Environmental Investing
Carbon intensity, fossil fuels.




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