Investment Management

Investment accounts are held at Charles Schwab, and clients are able to view their accounts online through the Charles Schwab portal. We will work with Schwab to ensure your account transfers from other financial firms are as seamless as possible. Assets can often be transferred over into your Schwab account in kind.


Index Funds

A One Day In July financial advisor invests your money in low-cost index funds, provided we do not have other constraints. An index fund is a financial instrument that provides exceptional diversity at low cost. It is traded like a stock, except when you buy a stock you purchase shares in one company. When you buy an index fund, you buy all the companies in the index it tracks, all at once, in one simple transaction.


Low-Fee Financial Advisor

Our fees are extremely low. We offer clients a service at a low cost, and we believe the quality is excellent. As John Bogle once said, “In investing, you get what you don’t pay for.” We are a low-fee financial advisor; we encourage you to compare our financial advisor fees with others. We believe fees should be transparent and simple.

Active Vs. Passive Investing

Unlike most mutual funds, an index fund does not have a fund manager making active decisions about what to buy and sell each day. The job of the people running the index fund is to closely track its underlying "basket" of securities - that is all. For example, all of the large companies in America, or all of the publicly-traded real estate investment trusts. Because of this, it is called a "passive" investment. Most mutual funds are considered "active" investments because fund managers are deciding what securities to buy and sell.

Asset Allocation

Asset allocation is an investment strategy aimed at balancing risk and reward by carefully assessing a client’s goals, risk tolerance, and investment horizon. At One Day In July, decades of work by our Founder have led to investment models that are diversified and prepared for different market environments. Each portion of the portfolio serves a specific function for you and your financial advisor will help you understand each one.

Rebalancing: “The Only Free Lunch.”

Your One Day In July financial advisor will rebalance your portfolio on a schedule that makes sense with your asset level and our internal models. Nobel Prize-winning American economist Harry Markowitz called diversification “The only free lunch in finance.” Worth noting.

Fiduciary Financial Advisors

Our financial advisors are always fiduciaries – on all of our client accounts. We represent only the interests of our clients, and no one pays us other than our clients. We are legally bound to be fiduciary financial advisors. Even if we were not legally bound, we would act in this manner, as we believe this is the ethical thing to do. This is how we would want you to treat us if our positions were reversed.

We are independent financial advisors in our decision making, and we do not cross-sell other financial products.




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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.
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

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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

In the Media

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Darien, CT Financial Advisor

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