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

Total Assets Under Management
Annual Advisory Fee
$0 - $2,100,000 0.5% for assets in this level
$2,100,001 - $20,000,000 0.25% for assets in this level
$20,000,001 - $100,000,000 0.125% for assets in this level
$100,000,001 and up 0.0625% for assets in this level

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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 to your Schwab account in kind.

Asset tiers include all accounts held in a household combined. The minimum yearly fee is $550 per household, not per account (this is an overall minimum, not "in addition to" the percentage fee). Certain 401k, 403b or 529 plan accounts are a flat rate 0.5% fee regardless of the household asset level.

When One Day In July manages a 401k or 403b plan, the fees above apply to the entire plan's balance, not to each employee. Non One Day In July fees within employee retirement plans are charged by, and paid only to, the custodian such as Schwab.

For further information regarding fees, please refer to our Form ADV Part 2A, Items 5A-5D.

Risk Management
Identify, monitor, and manage risk.
Index Funds
Broad market exposure, low expense.
Accounts We Manage
We manage a wide variety of accounts.
Our Fees
Consistently low fees.
Environmental Investing
Focused, sustainable investing options.
Environmental Articles
Sustainable, environmental insights by financial advisor Josh Kruk.
Prioritizing and planning for the future.
Mutual Funds vs ETFs
Clarifying the difference.
Frequently Asked Questions
Good questions, real answers.
Portfolio Construction
Construction & strategy
Timing the Market in 2020
2020 - a case study in the futility of market timing.
Active vs Passive Investing
We believe there is a winner in this debate.

Shelburne, VT Financial Advisor

Frank Koster | Josh Kruk | Keith McCarthy

5247 Shelburne Rd, Suite #101

Shelburne, VT 05482

(802) 777-9768

Darien, CT Financial Advisor

Available for meetings in Darien.

Keith McCarthy

(203) 554-9466

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