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Education
BSc, Queens University
MBA, University of Toronto
Hometown
Wayne, Pennsylvania
Where I live now
Burlington, Vermont


Peter Egolf, Financial Advisor

peter@onedayinjuly.com | (802) 999-2321


Let’s optimize your investments and simplify your finances. I guide my clients in achieving their financial goals by using low-cost, diversified, and tax-efficient ETF index investments.


Investing Insights

Investing can be simple but is often made unnecessarily complicated. How is that possible? Designed complexity.

If you have ever been to an IKEA store, you may have found it nearly impossible to find your way out. Complexity and time transfer your money to other people, and in the case of investing, the financial industry.

One Day In July seeks to eliminate many of the problems common in the financial industry: conflicts of interest, excessive fees for advice, and significant investment fees. I experienced these issues as an investor and joined the firm as a fiduciary financial advisor to teach other investors how to avoid these financial mistakes and build their wealth.

My goal is simple: simplify investing for my clients. I provide advice with a high degree of emotional intelligence, acting as your strongest financial advocate and a trusted partner for your life. I customize investment plans for my clients tailored to their goals and risk tolerances, all while minimizing the cost of their advice and investments.

Every investor should receive their share of market returns regardless of whether they invest $250K or $25M. The introduction of ETF index investing has made this a reality by significantly reducing the cost and complexity of investing.

I endeavor to provide superior personalized service to my clients, a concept that is widely lacking in the financial industry. I want my clients to understand their investments, including the logic and reasoning for each position in their portfolio. I encourage my clients to ignore Wall Street and the media, whose noise tends to promote poor investor behavior often in favor of the financial industry. We will develop a risk-based plan that aims to purchase the whole market while avoiding the unnecessary fees, hidden costs, and taxes that erode investment returns and wealth.


Career

After a decade of personal investing experience, I executed my first estate and saw first-hand the difficulty of receiving simple, unconflicted financial advice. As a scientist by training, I was used to consulting for corporations, law firms, and state/federal governments investigating their environmental liabilities – defining intangible environmental risks and designing tangible solutions to maximize stakeholder return. I became fascinated by the parallels between scientific consulting and finance – beginning with little information, collecting data, developing strategies, tweaking solutions based on additional findings, and presenting simple plans on complex topics.

I returned to graduate school at the University of Toronto to study finance and business in my MBA. I focused on sustainability, entrepreneurship, and social impact, including consulting for science/technology startups and not-for-profits1, and researching corporate gender diversity policies.2

As a generalist by nature, I continue to implement ideas from other specialties in finance and investing.


Meeting Locations

I grew up in Wayne, Pennsylvania, on the Philadelphia Main Line - spending time visiting the Endless Mountains of Pennsylvania, seeing family in Vermont, and exploring the Maine Coast. I now reside in Burlington, Vermont, and spend the balance of my time between these locations – serving clients across Vermont, the Northeast, and beyond.

1. Creative Destruction Lab
2. The Institute for Gender and the Economy

Avoiding Inertia - Four Investment Complexities

The financial industry has a knack for creating inertia through complexity. Inertia transfers wealth from the average investor to Wall Street.

Rally Racing, Potholes, and Investing

While almost anyone can get into a car and drive, not everyone can do it well. The same principles apply to investing.

Taxes on Investments

Investments generate taxes in three core areas: within investment funds, during investment transactions, and through the type of investment account.

401k Hidden Fees - What Every Employee Should Know

401k plans have been a captive source for the financial industry to extract fees from American workers.

401k Hidden Fees - What Every Business Owner Should Know

Employers often fail to genuinely understand the design and costs of their 401k plans. Employers want to offer the best retirement options for their employees but can fall short in executing this plan.

Investing like the Galapagos

Prospective clients often come in with engrained ideas related to their finances that are not universally true.

Evolution and Investing

What percentage of the world's wildlife has gone extinct over time? Which animals have gone extinct, and why? The same questions can be posited in the context of investing.

Restricted Stock Awards

A Restricted Stock Award (RSA) grants an employee shares of company stock, vesting at a future date.

Psychology of the Financial Industry

Sunk cost refers to an unrecoverable expenditure. The expenditure is most often time, money, effort, or emotion.

Aim for Average

Too frequently, investors aim for above-average returns (e.g., active investing or stock picking) and end up with sub-par returns, missing out on the average market return.

Peter Egolf, Financial Advisor

peter@onedayinjuly.com | (802) 999-2321


Let's optimize your investments and simplify your finances. I guide my clients in achieving their financial goals by using low-cost, diversified, and tax-efficient ETF index investments.


Investing Insights

Investing can be simple but is often made unnecessarily complicated. How is that possible? Designed complexity.

If you have ever been to an IKEA store, you may have found it nearly impossible to find your way out. Complexity and time transfer your money to other people, and in the case of investing, to the financial industry.

One Day In July seeks to eliminate many of the problems common in the financial industry: conflicts of interest, excessive fees for advice, and significant investment fees. I experienced these issues as an investor and joined the firm as a fiduciary financial advisor to teach other investors how to avoid these financial mistakes and build their wealth.

My goal is simple: simplify investing for my clients. I provide advice with a high degree of emotional intelligence, acting as your strong financial advocate and a trusted partner for your life. In addition, I build customized investment plans for my clients tailored to their goals and risk tolerances, all while minimizing the cost of their advice and investments.

Every investor should receive their share of market returns regardless of whether they invest $250K or $25M. The introduction of ETF index investing has made this a reality by significantly reducing the cost and complexity of investing.

I endeavor to provide superior personalized service to my clients, a concept that is widely lacking in the financial industry. I want my clients to understand their investments, including the logic and reasoning for each position in their portfolio. I encourage my clients to ignore Wall Street and the media, whose noise tends to promote poor investment behavior often in favor of the financial industry. We will develop a risk-based plan that aims to purchase the whole market while avoiding the unnecessary fees, hidden costs, and taxes that erode investment returns and wealth.


Career

After a decade of personal investing experience, I executed my first estate and saw first-hand the difficulty of receiving simple, unconflicted financial advice. As a scientist by training, I was used to consulting for corporations, law firms, and state/federal governments investigating their environmental liabilities - defining intangible environmental risks and designing tangible solutions to maximize stakeholder return. I became fascinated by the parallels between scientific consulting and finance - beginning with little pieces of information, collecting data, developing strategies, tweaking solutions based on additional findings, and presenting simple plans on complex topics.

I returned to graduate school at the University of Toronto to study finance and business in my MBA. I focused on sustainability, entrepreneurship, and social impact, including consulting for science/technology startups and not-for-profits1, and researching corporate gender diversity policies.2

As a generalist by nature, I continue to implement ideas from other specialties in finance and investing.


Meeting Locations

I grew up in Wayne, Pennsylvania, on the Philadelphia Main Line - spending time visitng the Endless Mountains of Pennsylvania, seeing family in Vermont, and exploring the Maine Coast. I now reside in Burlington, Vermont, and spend the balance of my time between these locations – serving clients across Vermont, the Northeast, and beyond.

1. Creative Destruction Lab
2. The Institute for Gender and the Economy


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.
Inflation
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
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.
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.

Locations

Vermont

Connecticut

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

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 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


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