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Hans Smith, Financial Advisor

hans@onedayinjuly.com | (802) 324-6469


I enjoy teaching clients the value of low-cost asset class diversification. Every investment position in a portfolio should serve a purpose, and that purpose should not be to benefit your broker.


Growing up & Today

I am a proud native Vermonter, and grew up in the Champlain Islands. Currently, I live with my wife and son in Shelburne, and enjoy everything this fine state has to offer in all four seasons. Boating, hiking, soccer, skiing, and men’s league softball are a few of my favorite activities and I’m looking forward to experiencing all of these with our son (he's the little guy on the right) in the years to come.


College & Early Career

I graduated from the University of Vermont in 2003, where I studied Economics and Business. I was raised in a family of aviators and engineers so the urge to take to the skies led me to pursue my first career in corporate aviation. I enjoyed flying a variety of jets and turboprops for various companies before transitioning into my current investment advisory role at One Day In July.

Investing has always been a passion and of great personal interest to me. I feel fortunate to have studied the works of visionaries Benjamin Graham, Warren Buffet, Peter Lynch, and Jack Bogle. All four stress the value of low-cost investing, and the unpredictable nature of financial markets.

I later realized that the investment industry was in need of a serious change, and I wanted to be a part of the solution. I realized the mathematics behind indexing simply are inarguable.


Investing Thoughts

  1. Remember that the stock market has a way of transferring money from those with egos, impatience, and emotions to those that have an indexing strategy patiently executed.
  2. Automate your savings and investing. Establish auto transfers, moving a portion of your paycheck not only into your 401k, but also investment accounts designed to serve the medium and shorter term. There can be no investment without savings.
  3. Tune out the noise. Wall Street was screaming "buy" at the peak of the tech bubble and CNBC was airing "markets in turmoil" specials during recent buying opportunities.

Fun Facts

I am certified to fly the Citation Sovereign, Citation Excel, Citation Bravo, and the Jetstream 31.

7 Items that Generate Investment Returns

Excessive fee-taking. Commission based products. Annuities. Individual stock picking. High expense mutual funds. For decades these products have been useful in lining a broker's pockets, but are suboptimal for the consumer of investment advice.

Should I try to Time the Stock Market?

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.

What is Mutual Fund Revenue Sharing?

The published expense ratio lets an investor know the annual cost they will pay to invest in a specific mutual fund, and how much their investment returns will be reduced. The mutual fund expense ratio is separate and distinct from any applicable investment advisory fees that you would also be subject to if you work with a financial advisor.

401k to IRA Rollover

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).

Helping you Fight Through "Financial Sludge"

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

Pension to IRA Rollover

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

Investing an Inheritance

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.

An Aviator's Checklist for Investment Success

An aviator's guide to lower your investment fees, improve portfolio performance, minimize your taxes, and simplify your financial life.

Budget, Save, and Invest

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.

401k Investment Selections

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.

Education
University of Vermont
Hometown
South Hero, Vermont
Where I live now
Shelburne, Vermont

Hans Smith, Financial Advisor

hans@onedayinjuly.com | (802) 324-6469

I enjoy teaching clients the value of low-cost asset class diversification. Every investment position in a portfolio should serve a purpose, and that purpose should not be to benefit your broker.


Growing up & Today

I am a proud native Vermonter, and grew up in the Champlain Islands. Currently, I live with my wife and son in Shelburne, and enjoy everything this fine state has to offer in all four seasons. Boating, hiking, soccer, skiing, and men’s league softball are a few of my favorite activities and I’m looking forward to experiencing all of these with our son (he's the little guy on the right) in the years to come.


College & Early Career

I graduated from the University of Vermont in 2003, where I studied Economics and Business. I was raised in a family of aviators and engineers so the urge to take to the skies led me to pursue my first career in corporate aviation. I enjoyed flying a variety of jets and turboprops for various companies before transitioning into my current investment advisory role at One Day In July.

Investing has always been a passion and of great personal interest to me. I feel fortunate to have studied the works of visionaries Benjamin Graham, Warren Buffet, Peter Lynch, and Jack Bogle. All four stress the value of low-cost investing, and the unpredictable nature of financial markets.

I later realized that the investment industry was in need of a serious change, and I wanted to be a part of the solution. I realized the mathematics behind indexing simply are inarguable.


Investing Thoughts

  1. Remember that the stock market has a way of transferring money from those with egos, impatience, and emotions to those that have an indexing strategy patiently executed.
  2. Automate your savings and investing. Establish auto transfers, moving a portion of your paycheck not only into your 401k, but also investment accounts designed to serve the medium and shorter term. There can be no investment without savings.
  3. Tune out the noise. Wall Street was screaming "buy" at the peak of the tech bubble and CNBC was airing "markets in turmoil" specials during recent buying opportunities.

Fun Facts

I am certified to fly the Citation Sovereign, Citation Excel, Citation Bravo, and the Jetstream 31.


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.
Fiduciary
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.
Inflation
What is inflation, and what cuases 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
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.
Transparency
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?
Annuities
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.
Retired Investing
Retiring? Let us help.
Accounts We Manage
We manage a wide range of investment account types.
High Net Worth Investors
Preserve and grow your wealth.
Investing an Inheritance
Prioritizing and planning for the future.
Frequently Asked Questions
Good questions, real answers.
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.

Locations

Vermont

Connecticut

United States

Services

Individuals

401k Plans

Institutions

Environmental

Account Types

Differentiators

Cash Flows

Low Fees

Fiduciary

Dedicated Advisor

Materials

Advisors: Join Us

Careers

Articles on Investing

About the Secure Act

Quarterly Booklets

Resources

Vermont Investment Management

Vermont Retirement Planning

Vermont Wealth Management

Vermont Financial Advisors

Investment Tools

In the Media

Shelburne, VT Financial Advisor

Frank Koster | Josh Kruk | Keith McCarthy

5247 Shelburne Rd, Suite #101

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 Muttitt

Nancy Westbrook | Peter Egolf

77 College Street #3A

Burlington, VT 05401

(802) 503-8280

Darien, CT Financial Advisor

Available for meetings in Darien.

Keith McCarthy

(203) 554-9466


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