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Shelburne Fiduciary Partners, an affiliate of One Day In July, utilizes a team-based approach to provide advisory services to its individual and institutional clients.

Shelburne Fiduciary Partners Financial Advisors are registered as Investment Advisor Representatives with One Day In July LLC, an SEC-Registered Investment Advisory Firm headquartered in Burlington, Vermont.

Shelburne, Vermont

(802) 777-9768

145 Pine Haven Shores Road, Suite 2212
Shelburne, VT 05482

Index ETFs and Portfolio Management

Shelburne Fiduciary Partners | April 27, 2023

Building Investment Portfolios

Shelburne Fiduciary Partners | March 28, 2023

Investing in ETFs

Shelburne Fiduciary Partners | March 17, 2023

2022 Year In Review

Shelburne Fiduciary Partners | January 5, 2023

Don't Fight the Fed - Revisited

Shelburne Fiduciary Partners | November 8, 2022

The title of our third quarter update letter was “Don’t Fight The Fed.” It’s a long-standing adage of our industry that implies the U.S. Federal Reserve is the 800-pound gorilla in the room, and market participants should not bet against their intentions.

What is a "Normal" Level of Interest Rates?

Shelburne Fiduciary Partners | November 17, 2022

If you have listened to or read the financial news recently, you likely have encountered commentary by countless experts, including economics professors, U.S. senators, and commercial real estate titans, expressing concern about the rising interest rate environment we are currently enduring.

Investment Risk vs. Investment Return

Shelburne Fiduciary Partners | October 4, 2021

Investing entails several inherent risks. In the case of equities, investors generally think of risk as the possibility of losing money relative to the initial investment.

Using U.S. Treasury Bonds to Reduce Risk

Shelburne Fiduciary Partners | June 23, 2021

Historically, bonds have played two primary roles in balanced investment portfolios. They have generally paid a higher level of current income than stocks, making them the go-to vehicle for those in need of current income.

Understanding Fixed Income - Interest Rate Risk

Shelburne Fiduciary Partners | December 7, 2021

While it is generally true that bonds are less volatile than stocks, bond investments are still subject to price fluctuations that can be material at times. Therefore, like any other investment, it is prudent to understand the drivers of fixed income performance in order to avoid taking on unintended risk.

Active vs. Passive Investment Management

Shelburne Fiduciary Partners | May 21, 2020

The active vs. passive management debate has raged for years, but fortunately there is a depth of empirical evidence to evaluate. S&P Dow Jones Indices, LLC publishes their SPIVA U.S. Scorecard annually, which compares active managers’ returns to those of the various S&P indexes.

Moneyball Part 1

Shelburne Fiduciary Partners | August 23, 2022

As long as humans are involved, neither sports nor investing will resemble science. Short-term results will be subject to randomness. However, in both cases, a basic understanding of probability increases the likelihood of long-term success.

How Worried Should you be About the Next Bear Market?

Shelburne Fiduciary Partners | June 23, 2021

A market correction is defined as a decline of 10% or greater from the market's most recent high. A bear market is a more severe type of correction with a peak to trough decline of 20% or greater.

Moneyball Part 2

Shelburne Fiduciary Partners | September 2, 2022

Investors are prone to many of the same subjective biases that influenced old school baseball scouts. The first step in mitigating the impact of those biases is to acknowledge their existence and to understand that no one is completely immune from them.

Should I Buy Bitcoin?

Shelburne Fiduciary Partners | October 6, 2021

I’m concerned that the mass-production of digital assets will eventually have a negative “crowding out” impact on the scarcity argument for Bitcoin. It’s also possible that a better mousetrap will come along and turn Bitcoin into the “Palm Pilot” of cryptocurrencies.

Mutual Funds vs ETFs

Shelburne Fiduciary Partners | June 23, 2021

A basic goal for many investors is to gain their desired market exposure in the most efficient and cost-effective way possible.

2020: A Case Study in the Futility of Market Timing

Shelburne Fiduciary Partners | Feb. 18, 2021

If you approach the market like it's a casino, the market will treat you like a gambler.

Is your Investment Advisor Worth One Percent?

Shelburne Fiduciary Partners | June 7, 2021

Our fees are less than half of the McKinsey average for similarly sized portfolios.

Tax Strategy: Tax Loss Harvesting

Shelburne Fiduciary Partners | April 13, 2021

It's a fact of investing that markets sometimes go down, and occasionally by a lot. It's also generally true that not all investments will perform well at the same time.

Tax Strategy: Tax Lot Optimization

Shelburne Fiduciary Partners | April 13, 2021

As investment accounts age and grow in size, they often contain security holdings that have been accumulated gradually over time rather than purchased all at once.

The Expected Return is Market Return

Shelburne Fiduciary Partners | May 26, 2020

One fairly straightforward, but important, point about investing is that the combined future return for all investors who purchase securities that are part of a given index must by definition equal the future return of that index before any fees.

Behavioral Biases in Investing: Ignoring the Noise

Shelburne Fiduciary Partners | Sept. 24, 2019

Loss aversion demonstrated that for most people, the negative feelings generated from incurring a loss outweigh the positive feelings generated from realizing an equal-sized gain.

How Are We Different
Understanding Your Financial Statement
Articles on Investing
Investing with Low Cost Index Funds
Pay Yourself First
Why Use a Fiduciary Financial Advisor?
Financial Planning
Quarterly Booklets
Simple, Low Investment Fees
Investor Resources
Investment Tools
Financial Firm Comparison
The Investment Process
One Day In July in the Media
Local Financial Advisor
How to Switch Financial Advisors
Frequently Asked Questions
Book Recommendations
Types of Investors
One Day In July Careers
Square Mailers
Types of Accounts We Manage
Options for Self-Employed Retirement Plans
Saving Strategies
What to do When Receiving a Pension
Investment Tax Strategy: Tax Loss Harvesting
Vermont Investment Management
How to Invest an Inheritance
Investment Tax Strategy: Tax Lot Optimization
Vermont Retirement Planning
How to Make the Best 401k Selections
Investing for Retirement: 401k and More
Vermont Wealth Management
How to Rollover a 401k to an IRA
Environmental Investing: How it Differs from ESG
Vermont Financial Advisors
How to Invest for College Savings
Should I Try to Time the Stock Market?
Mutual Funds vs. ETFs
The Cycle of Investor Emotion
Countering Arguments Against Index Funds
Annuities - Why We Don't Sell Them
Aim for Average
How Finacial Firms Bill
Low Investment Fees
Understanding Fixed Income: Interest Rate Risk
Investing in a Bear Market
Investing in Gold
Is Your Investment Advisor Worth One Percent?
Active vs. Passive Investment Management
Investment Risk vs. Investment Return
Who Supports Index Funds?
Articles by Dan Cunningham
Does Stock Picking Work?
The Growth and Importance of Female Investors
Behavioral Economics
The Forward P/E Ratio

Shelburne, VT Financial Advisor

Frank Koster

145 Pine Haven Shores Road, Suite 2212

Shelburne, VT 05482

(802) 777-9768

Wayne, PA Financial Advisor

Peter Egolf | Adam Roof

851 Duportail Rd 2nd Floor

Chesterbrook, PA 19087

(610) 673-0074

Burlington, VT Financial Advisor

Hans Smith | Katie Bensel

Nancy Westbrook | Peter Egolf

Adam Roof

77 College Street #3A

Burlington, VT 05401

(802) 503-8280

Rochester, VT Financial Advisor

Carrie McDonnell

Available for meetings in Rochester, VT and surrounding areas.

(802) 829-6954

Bennington, VT Financial Advisor

Michael van Eyck

Available for meetings in Bennington, VT and surrounding areas.

(802) 735-8772

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