Advisor Articles

Take a deeper dive into topics that matter to you.

Taxes on Investments

Tax Strategy: Tax Loss Harvesting

By Financial Advisor Josh Kruk | April 13, 2021

It's a fact of investing that markets sometimes go down, and occasionally by a lot. It's also generally true that not all investments will perform well at the same time.

Tax Strategy: Tax Lot Optimization

By Financial Advisor Josh Kruk | April 13, 2021

As investment accounts age and grow in size, they often contain security holdings that have been accumulated gradually over time rather than purchased all at once.

Taxes on Investments

By Financial Advisor Peter Egolf | October 9, 2020

Investments generate taxes in three core areas: within investment funds, during investment transactions, and through the type of investment account.

Potential Tax Benefits of a 529

By Financial Advisor Katie Bensel | June 30, 2021

Funding and utilizing a 529 college savings plan may result a few different tax benefits.

Retirement Planning

401k to IRA Rollover

By Financial Advisor Hans Smith | August 14, 2020

After leaving a job, you have the option to complete a "direct rollover" of your workplace 401k or 403b into an Individual Retirement Account (IRA).

Pension to IRA Rollover

By Financial Advisor Hans Smith | August 17, 2020

Should you take the lump-sum pension payout option and transfer the assets from a pension to an IRA?

401k Investment Selection

By Financial Advisor Hans Smith | August 17, 2020

More often than not, 401k and 403b plans default employee contributions into target dated investment funds. These funds may not be the ideal investment choice for many investors.

401k Hidden Fees - What Every Employee Should Know

By Financial Advisor Peter Egolf | April 29, 2021

401k plans have been a captive source for the financial industry to extract fees from American workers.

401k Hidden Fees - What Every Business Owner Should Know

By Financial Advisor Peter Egolf | April 29, 2021

Employers often fail to genuinely understand the design and costs of their 401k plans. Employers want to offer the best retirement options for their employees but can fall short in executing this plan.

Self-Employment Retirement Plan Options

By Financial Advisor Katie Bensel | June 24, 2021

Self-employed individuals are in a unique position when saving for retirement. Instead of being limited to the retirement plan options offered by their employers, self-employed individuals take that decision into their own hands.

Types of Investment Accounts

Investing an Inheritance

By Financial Advisor Hans Smith | August 17, 2020

At One Day In July, we manage Inherited IRAs, Inherited Trust Accounts & Brokerages, and help clients transfer their assets from an inherited 401k into Individual Retirement Accounts (IRAs).

Types of Accounts We Manage

Tradition & Roth IRAs, Individual & Joint Brokerages, Revocable & Irrevocable Trusts, Workplace 401k, 403b & 457 Retirement Plans, SEP IRAs, and many more.

Behavioral Investing

Should I Try to Time the Stock Market?

By Financial Advisor Josh Kruk | July 14, 2020

There are two central problems with trying to forecast stock market movements: Investors don't know tomorrow's news, and investors don't know how the market is going to react to tomorrow's news.

Helping you Fight Through Financial Sludge

By Financial Advisor Hans Smith | October 1, 2019

Financial Sludge: Insurance and financial companies deliberately making the process of transferring outbound funds as time consuming and uncomfortable as possible.

Budget, Save and Invest

By Financial Advisor Hans Smith | August 17, 2020

Transitioning from the workforce to retirement can be a financially stressful time. Prior to this transition, it's a good time to take a close look at your investment risk, and obtain a solid understanding of your personal cash flows.

Behavioral Biases in investing

By Financial Advisor Josh Kruk | September 24, 2019

Loss aversion demonstrated that for most people, the negative feelings generated from incurring a loss outweigh the positive feelings generated from realizing an equal-sized gain.

Avoiding Inertia

By Financial Advisor Peter Egolf | January 22, 2021

The financial industry has a knack for creating inertia through complexity. Inertia transfers wealth from the average investor to Wall Street.

Rally Racing, Potholes, and Investing

By Financial Advisor Peter Egolf | January 11, 2021

While almost anyone can get into a car and drive, not everyone can do it well. The same principles apply to investing.

Psychology of the Financial Industry

By Financial Advisor Peter Egolf | June 9, 2021

Sunk cost refers to an unrecoverable expenditure. The expenditure is most often time, money, effort, or emotion.

Aim for Average

By Financial Advisor Peter Egolf | June 9, 2021

Too frequently, investors aim for above-average returns (e.g., active investing or stock picking) and end up with sub-par returns, missing out on the average market return.

Avoiding Action Bias Investment Mistakes Through Patience

By Financial Advisor Katie Bensel | July 1, 2021

We would like to believe that economic decision making is based solely on rational thinking. However, it has been found that up to 70% of economic decision making is emotional and only 30% is rational.1

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Timing the Market in 2020
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Investing an Inheritance
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Female Investors
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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