Carrie McDonnell, Vermont Financial Advisor

carrie.mcdonnell@onedayinjuly.com | (802) 767-7665




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Education
Amherst College
Dartmouth College
Hometown
Warsaw, Ohio
Where I live now
Rochester, Vermont



I want my clients to feel empowered and engaged when making investment decisions. Investing should reflect who you are and what you value.


Growing Up & Today

Rural life has always been my pace. I grew up on a farm in Ohio, went to college in western Massachusetts and spent several years skiing in Idaho and Wyoming. My family and I then landed in Rochester, a little town located in the Green Mountains of Vermont. I truly love where I live, surrounded by mountain bike trails, backcountry skiing and beautiful country roads I get to explore with my husband and three kids.

One of the things I love about living in rural Vermont is there is so much opportunity to play a part in shaping the local culture and community. In recent years I’ve served as a committee member for Ridgeline Outdoor Collective, Central Vermont Football Club and the local youth recreation sports program. There is enormous satisfaction in being able to take an idea from its early development stages to reality. I am constantly impressed by how Vermont rural communities, despite limited resources, offer such a rich living experience to their residents, and I enjoy playing a small role in that success.


College & Career

In 2002, I graduated from Amherst College, where I studied English. Writing has always been a passion, so shortly thereafter, I pursued a Master's degree in creative writing at Dartmouth College. While finishing up my thesis, I began working in the local school system, which became the beginning of a 16 year career as a school administrator. In this role, I worked with thousands of families and educators in a dozen central Vermont towns. I learned about the power of effective communication, the necessity of building trust and the importance of integrity in decision making. Now as a financial advisor, these lessons inform my approach to clients every day.

In conversations with prospective clients, I have learned it is not uncommon for investors to be unsatisfied with the performance of their investments and/or advisor for years before coming to One Day In July. Among other factors, the delay to change is often driven by the belief that better options don’t exist in the investment industry. One of the best aspects of my job is educating prospective clients in the ways in which they can and should expect more from their investment experience. As a fiduciary firm dedicated to providing excellent service at a low cost, One Day In July has a refreshing approach to financial advising that cannot be found at most firms.


Investing Thoughts

1. Commissions and fees associated with high levels of trading can undermine long term returns in staggering ways. As John Bogle writes, “Costs make the difference between investment success and investment failure.” Clients will benefit greatly from low fees over time. When investing in low fee index funds, the individual investor maximizes their share of market returns and minimizes the returns to Wall Street.

2. You do not need to have years of experience in the field of finance to make informed and effective investment decisions. When equipped with accurate information and an openness to learn new things, anyone can be a smart investor.

3. Experienced investors should be conscious of anchoring, a common tendency to make decisions based on information or assumptions that are not accurate or relevant to the investment decision at hand. Unlearning is sometimes the first step to improving your investment returns.

Investing in a Bear Market

Over the last 20 years, 25 of the best trading days were within one month of the 24 worst trading days.

Vermont Teachers: Education & Empowerment

As a financial advisor who formerly worked in education, I am particularly sympathetic to educators who have been fed poor advice.

Vermont Teachers: How to Prepare for Retirement

Considering how impactful and critical educators are to our state’s future, one would expect our teacher retirement system to be designed to ensure full financial security for these civil servants. Unfortunately, this is not the case.

Index Fund Investing

An index is a group of companies that make up a specific market sector or asset class. One of the most well known indexes is the S&P 500. The S&P 500 is an index of the 500 largest public companies in the U.S.

Fiduciary Financial Advisors

The term “Financial Advisor” is not precisely defined across the industry. It can apply to stockbrokers, insurance agents, investment managers, and many other kinds of financial professionals, causing confusion among consumers.

Low Fees

Our fees are low and clear, and no one pays us other than the client.

Environmental Investing

At One Day In July, we focus sustainable investing on the environment, recognizing the urgency of climate change and the tangible nature of the metrics available.

Carrie McDonnell, Vermont Financial Advisor

carrie.mcdonnell@onedayinjuly.com | (802) 767-7665


I want my clients to feel empowered and engaged when making investment decisions. Investing should reflect who you are and what you value.


Growing Up & Today

Rural life has always been my pace. I grew up on a farm in Ohio, went to college in western Massachusetts and spent several years skiing in Idaho and Wyoming. My family and I then landed in Rochester, a little town located in the Green Mountains of Vermont. I truly love where I live, surrounded by mountain bike trails, backcountry skiing and beautiful country roads I get to explore with my husband and three kids.

One of the things I love about living in rural Vermont is there is so much opportunity to play a part in shaping the local culture and community. In recent years I’ve served as a committee member for Ridgeline Outdoor Collective, Central Vermont Football Club and the local youth recreation sports program. There is enormous satisfaction in being able to take an idea from its early development stages to reality. I am constantly impressed by how Vermont rural communities, despite limited resources, offer such a rich living experience to their residents, and I enjoy playing a small role in that success.


College & Career

In 2002, I graduated from Amherst College, where I studied English. Writing has always been a passion, so shortly thereafter, I pursued a Master's degree in creative writing at Dartmouth College. While finishing up my thesis, I began working in the local school system, which became the beginning of a 16 year career as a school administrator. In this role, I worked with thousands of families and educators in a dozen central Vermont towns. I learned about the power of effective communication, the necessity of building trust and the importance of integrity in decision making. Now as a financial advisor, these lessons inform my approach to clients every day.

In conversations with prospective clients, I have learned it is not uncommon for investors to be unsatisfied with the performance of their investments and/or advisor for years before coming to One Day In July. Among other factors, the delay to change is often driven by the belief that better options don’t exist in the investment industry. One of the best aspects of my job is educating prospective clients in the ways in which they can and should expect more from their investment experience. As a fiduciary firm dedicated to providing excellent service at a low cost, One Day In July has a refreshing approach to financial advising that cannot be found at most firms.


Investing Thoughts

1. Commissions and fees associated with high levels of trading can undermine long term returns in staggering ways. As John Bogle writes, “Costs make the difference between investment success and investment failure.” Clients will benefit greatly from low fees over time. When investing in low fee index funds, the individual investor maximizes their share of market returns and minimizes the returns to Wall Street.

2. You do not need to have years of experience in the field of finance to make informed and effective investment decisions. When equipped with accurate information and an openness to learn new things, anyone can be a smart investor.

3. Experienced investors should be conscious of anchoring, a common tendency to make decisions based on information or assumptions that are not accurate or relevant to the investment decision at hand. Unlearning is sometimes the first step to improving your investment returns.



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 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.
Should I use a Donor-Advised Fund or a Private Foundation?
Compare the two across a variety of factors.
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.
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.
Types of Investors
Investing for nurses, teachers, business owners and more.
Environmental Investing
Carbon intensity, fossil fuels.

Locations

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Connecticut

United States

Services

Individuals

401k Plans

Institutions

Environmental

Account Types

Differentiators

Cash Flows

Low Fees

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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

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Carrie McDonnell

(802) 767-7665


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