Peter Egolf

(802) 999-2321peter@onedayinjuly.com

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.

Want to talk?
Please fill out this quick form and I will be in touch with lightning speed.

Want to talk?
Please fill out this quick form and I will be in touch with lightning speed.



77 College Street
Burlington, VT 05401



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 strongest 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 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

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.
Investor Resources
Helpful tools to get you started.
Inflation
What is inflation, and what causes 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.
Should I use a Donor-Advised Fund or a Private Foundation?
Compare the two across a variety of factors.
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.
Investing in Gold
Is gold a good investment?
Firm Comparison
One Day In July vs the competition.
Retirement Investing
Retiring? Let us help.
Accounts We Manage
We manage a wide range of investment account types.
Pay Yourself First
Saving and Investing for the future.
Investing an Inheritance
Prioritizing and planning for the future.
Frequently Asked Questions
Good questions, real answers.
Women and Investing
Your voice needs to be heard. We are listening.
Types of Investors
Investing for nurses, teachers, business owners and more.
Environmental Investing
Carbon intensity, fossil fuels.

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