Vermont Financial Advisor

welcome@onedayinjuly.com | (802) 503-8280

When looking for a Vermont financial advisor, here are some important considerations for you to keep in mind.

  • In a financial relationship, the type of fee structure matters. Some advisors operate under a commission fee structure, in which high-cost mutual funds and other products they put in your accounts pay them on the back end to do so. One Day In July Vermont financial advisors do not have that incentive.
  • Our firm focuses almost exclusively on low cost index funds (we will make exceptions to this at client request or in special circumstances).
  • Excessive trading activity should not be considered a justification for high fees. In fact, the practice of "churning," or buying and selling primarily to generate commissions, is illegal and unethical.1 We charge low fees and don't claim that activity leads to value. We believe that, in investing, over time less activity tends to make you more money (and save you on fees).
  • Generally, we think financial advisors charging 0.8% to 1.5% fees is too high. See our fee schedule here.

It is common that a new client looking for a Vermont financial advisor will bring in statements, and we will see many high-fee mutual funds, annuities, and other instruments in their accounts that promise to benefit the financial industry more than the investor.

If you are looking for a Vermont financial advisor, we encourage you to contact us to set up a free consultation via phone or in person with one of our advisors in Burlington, Shelburne, Rochester or Stowe.

By using index funds and charging low fees, our financial advisors aim to improve investment management in Vermont and nationwide.

With the exception of 529s and certain workplace retirement plan accounts, 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 into your Schwab account in kind.

As Vermont financial advisors, we invite you to learn more about our services here.



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DIFFERENTIATORS
GETTING STARTED
MATERIALS
How Are We Different
Understanding Your Financial Statement
Articles on Investing
Investing with Low Cost Index Funds
Pay Yourself First
About the SECURE Act
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
Types of Investors
SERVICES
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
INVESTING THOUGHTS
Should I Try to Time the Stock Market?
Mutual Funds vs. ETFs
Inflation
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

Shelburne, VT Financial Advisor

Frank Koster | Josh Kruk

145 Pine Haven Shores Road, Suite 2212

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 Bensel

Nancy Westbrook | Peter Egolf

Adam Roof

77 College Street #3A

Burlington, VT 05401

(802) 503-8280

Essex, CT Office

Keith McCarthy

5 Essex Square, Suite 3A

Essex, CT 06426

(860) 581-7011

Rochester, VT Financial Advisor

Available for meetings in Rochester, VT and surrounding area.

Carrie McDonnell

(802) 767-7665


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