Dan Cunningham, Financial Advisor | Founder

Burlington, VT

Growing Up

I love investing and I care deeply about my clients' success. Working with clients across the United States, I look forward to the challenge every day. Here's my background.

College and Career

I grew up in Bennington, Vermont, a wonderful small town in the southwestern corner of the state. I came from a frugal household: my mom sewed all of our drapes and taught me not to spend money. One of my father's aphorisms was "A fool and his money are soon separated."

Seeing my computer and business interests, my dad, who was a physician, advised me not to become a doctor. (I heeded his advice right up to my wedding day, when I married one.)

Princeton University

I attended Princeton University. At Princeton I took a course in the economics department with the electrifying name "Corporate Finance," where I was first exposed to the idea of index investing. Burton Malkiel, one of the fathers of indexing, was a professor in the department and likely had convinced all the other professors to assign his book, "A Random Walk Down Wall Street." I was so fascinated by the concept (1), and so excited to get out of the engineering labs, that I read the entire book in one sitting during spring break.

A lot of intelligent people I knew from Princeton are in the financial industry. I realized in my early 20's that these were not people you want to try to outsmart. Humility is a better trait than arrogance when it comes to finance.

Starting and Growing Businesses

I have started several businesses prior to One Day In July. The common thread that has emerged over the years from testing business models and products is that "simplicity works." In all aspects of One Day In July we have created a simple, clear approach that is easy for you. Simplicity leads to understanding, understanding leads to discipline, and discipline leads to good long term results.

Burlington, Vermont

Today I live in Burlington, VT (aka BTV) with my wife and 4 children who attend Burlington public schools. We love it here and plan to stay in the area for a long time. When not working or taking care of my kids I read, run, downhill ski, and play my cello (Dvorak Cello Concerto, 1st Movement is my favorite). Not necessarily in that order.

Doing well in your investments is important, but it's not everything. Community engagement is a critical part of happiness. I recommend this article on the topic.

I am a registered Investment Advisor Representative and I hold a Series 65 securities license.


Over my time working with hundreds of clients, I've learned that behavioral error is more significant than I assumed years ago. Due to behavior, I do not think most Americans will reach the returns of the U.S. equity markets. And if behavior is not the culprit, the fees most people are paying almost mathematically guarantee they will not.

Whether they do or don't, the process is stressful for most people - they are looking for some form of certainty, and instead they have stock tickers flashing at them, creating endless anxiety. As we realized the effect this had on clients, we restructured the firm to drive focus away from markets and toward cash flows. We believe this approach is rare but wonderful for clients.

Here is a short piece of advice from me.


Please reach me by contacting Katie Muttitt in our Burlington office at (802) 503-8280 or welcome@onedayinjuly.com.


(1) The thesis of the book "A Random Walk Down Wall Street" is that a monkey throwing darts at a newspaper page to choose securities can outperform a Wall St. financial professional. Both the result and the visual image are intriguing.

(2) Click here to learn about inspiration sources of One Day In July.

Fast Facts


Princeton University


Bennington, Vermont

Where I Live Now

Burlington, Vermont

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.
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.
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 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.
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?
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.




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