Advice for a New Year, from One Day In July Financial Advisors


“Do not let inertia win. Take a look at your finances at the start of the year and make a resolution to examine the fees you pay and the performance of your portfolio. It’s easy to put off, but your future self will thank your current self if you do this.”

~ Dan Cunningham



“Turn off CNBC. Ignore the pundits and prediction makers, and focus on what matters: what is actually in your control when investing. Focusing on what matters and tuning out the noise can help you become a more successful investor." Read more here:
7 Items that Generate Investment Returns."

~ Hans Smith



“Investors and the financial industry love to focus on gross investment returns. But the hoopla around returns can disguise the truth: the actual return realized by an investor is net of both fees and any taxes created in generating those returns. Investments generate taxes in three core areas: within investment funds, during investment transactions, and through the type of investment account. This year, make sure you are considering taxes and fees when you look at your total investment return.”

~ Peter Egolf



“Make sure you contribute to your retirement account consistently throughout the year. Set up automatic transfers so you aren’t tempted to skip a month. And make sure you take full advantage of your employer’s match if one is offered, that’s free money!"

~ Katie Bensel



“Consolidate your old 401ks - or any retirement accounts - into an IRA whenever possible. Simplifying adds value, makes accounts easier to manage, and you often avoid unnecessary fees in the process.”

~ Nancy Westbrook



“Have a clear plan, keep costs as low as possible, reduce complexity, and maintain discipline across market cycles.”

~ Josh Kruk



“Keep things simple. Complexity obscures costs, performance, and overall understanding of your investments. This year make it a point to know more about your investments and the embedded risks. We can improve your understanding, help you simplify your investments, and get 2022 off to a strong start.”

~ Frank Koster



“Don’t try to time the market and chase returns. Active management and higher fees lead to a drag on performance and tax inefficiency. Over the long term, passive fund strategies have consistently outperformed active fund strategies.1"

~ Keith McCarthy



1. Active vs. Passive Investment Management



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Inflation
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When Should I Invest?
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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.
Retirement Investing
Retiring? Let us help.
Accounts We Manage
We manage a wide range of investment account types.
Pay Yourself First
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Investing an Inheritance
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Your voice needs to be heard. We are listening.
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Choosing what's best for your business.
Environmental Investing
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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 Bensel

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

Rochester, VT Financial Advisor

Available for meetings in Rochester, VT and surrounding area.

Carrie McDonnell

(802) 767-7665


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