Hans Smith, Financial Advisor

Burlington, VT



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Hans Smith


I enjoy teaching clients the value of low-cost asset class diversification. Every investments 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
Who We Serve
We work with clients nationwide from all financial backgrounds.
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 Finance
Nudge vs. Sludge.
Advanced Investing
Let's geek out on stats and figures.
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 resaerch 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.
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.
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.

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United States

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Vermont Financial Advisors

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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.

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Burlington, VT Financial Advisor

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(802) 503-8280

Darien, CT Financial Advisor

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Frederick, MD Financial Advisor

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