Shelburne Vermont Financial Advisors




Frank Koster

The evolution of the ETF market is enabling advisors such as One Day In July to drive fees dramatically lower while still providing full service, customized, investment advisory to our clients.


Education

University of Wooster

Hometown

Cincinnati, OH

Where I Live Now

Charlotte, Vermont


Keith McCarthy

Don't try to time the markets and chase returns. Active management and higher fees lead to a drag on performance and tax inefficiency.


Education

Connecticut State University

Trinity College

Hometown

Hingham, MA

Where I Live Now

Darien CT, Shelburne VT


Josh Kruk

The worst investing decisions are usually driven by fear or greed. You can't control the market but the market can control you if you let it.


Education

University of Vermont

Hometown

Franklin Lakes, NJ

Where I Live Now

Shelburne, Vermont


Institutional Investing

Frank, Keith and Josh bring more than 80 years of collective experience managing assets for institutional clients. Their clients have included Fortune 500 companies, central banks, state and local governments, non-profit corporations, endowments and foundations, and insurance companies.

They have led or been an integral part of teams that have managed over $100 billion in combined institutional assets. In addition to portfolio management, Frank, Keith and Josh have experience in institutional risk management, trading, portfolio analytics, client reporting, and compliance.



One Day in July seeks to build its environmentally focused portfolios with an emphasis on the same key investment criteria that we believe are critical to all portfolios. Among these are low cost, substantial diversification of risk across industries and geographies, a high degree of liquidity and transparency in the investment vehicles we use, and a competitive level of current income.

Nevertheless, because certain types of stocks are less compatible with an environmentally focused mandate, there will invariably be some differences among investment characteristics in these portfolios relative to the portfolios we manage that do not consider environmental factors (“baseline portfolios”). We believe that these differences are generally modest. However, they are still worth noting since they may periodically cause performance of an environmentally focused portfolio to diverge in either direction from the performance of a comparable baseline portfolio.

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A critical part of being your financial advisor is that we are fiduciaries, which means that we represent only the interests of our clients. No one pays us other than our clients. We are 100% independent in our decision making, and we do not cross-sell other products. One Day In July is a fee-only, fiduciary financial advisory firm, and we do not earn commissions from product sales.

A fiduciary financial advisor is a person who holds a legal or ethical relationship of trust with their client, and we take this trust seriously. As your fiduciaries, we are required to act in your best interest. We act on your behalf at all times, with no exceptions.

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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.
Advanced Investing
Let's geek out on stats and figures.
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 resaerch 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.
Young Investors
Plant a seed, watch it grow.
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

Maryland

United States

Services

Individuals

401k Plans

Institutions

Environmental

Account Types

Differentiators

Cash Flows

Low Fees

Fiduciary

Dedicated Advisor

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

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.

Steve Schleupner

(301) 514-4499

Burlington, VT Financial Advisor

Hans Smith | Katie Muttitt

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

Frederick, MD Financial Advisor

Available for meetings in Frederick.

Steve Schleupner

(301) 514-4499


Disclosures | v 1.6.17 | © One Day In July LLC. All Rights Reserved.