Fast Facts

Education

Queens University

University of Toronto

Hometown

Wayne, Pennsylvania

Where I Live Now

Burlington, Vermont


Efficiency. Simplicity. Transparency. My goal is to help you design a financial plan that leads you to maximize your financial goals without the complexity, jargon, and pressure customary in the financial industry.




There are many options to maximize your wealth, whether you are: a new investor, saving for a long-term goal, changing jobs, operating a business, selling a business, entering retirement, need a power of attorney, assessing how to transfer generational wealth, or the recipient of an inheritance.

Wealth builds through diligence and self-control. Sustaining and fostering this growth is possible with the use of diversified index funds and a low-fee fiduciary, who puts your interests first. What is your existing broker or advisor costing you?

Ignore financial noise. Aim for average (buy the market), and you will have the opportunity to see above-average returns. Avoid the fees, taxes, and hidden costs that will erode gains, and subsequently, your wealth. With a decade of investing experience, I look forward to assisting you in your journey towards reaching your financial goals.

Seize the opportunity to optimize your future. If you know a family member, friend, colleague, or local organization who could use our services, please do us both a favor and put us in touch!


My fascination with the natural world and desire to avoid student debt led me to Canada, where I completed a Bachelor of Science at Queen's University. Upon graduating, I moved to Montpelier, Vermont, to work as an environmental consultant for the Johnson Company. For nearly four years, I worked with corporations, law firms, and state/federal governments to investigate potential environmental liabilities to optimize solutions to minimize risk and maximize financial return. I loved taking intangible problems and creating tangible solutions. During this time, I read the book "How a Second Grader Beats Wall Street," which introduced me to index investing and the methods by which one can avoid the unrelenting pitfalls of the financial industry.

Four years ago, I had the opportunity to act as an estate executor. The challenge of piecing together the financial puzzle of cash flows, developing financial strategies, managing investments, and understanding taxes was fascinating to me. This experience influenced me to pursue additional schooling to learn how to leverage business and finance for the positive change I wanted to see in the world.

I returned to Canada to obtain a Master's in Business Administration with a concentration in Sustainability at the University of Toronto. My studies focused on entrepreneurship, sustainability and social impact. I consulted for a scientific technology startup and not-for-profits, researched corporate gender diversity policies, and studied behavioral economics.

I subsequently joined the City of Burlington, Vermont, to develop an asset management program for the City's $500M of capital assets. The goal was to design a strategy and foundation to maximize the financial return of the City's infrastructure investments. This role also introduced me to the fact that employees are often subject to fees and a lack of sufficient options in retirement plans, irrespective of whether it is a 401(k), 403(b), 457(b), or pension.


I grew up in Wayne, Pennsylvania; a suburb of Philadelphia. I spent summers at my grandparents between Vergennes and Middlebury, assisting them with their small silkscreen art business. As teachers who lived through the Great Depression and World War II, they demonstrated that wealth could be accumulated through disciplined saving and investing, irrespective of your career. They cultivated my love for Vermont, including the focus on the environment, health, and the outdoors. Since childhood, I have sought out creative solutions to build and sustain wealth.


My personal life mirrors my work. I am fascinated by efficiency, optimization, and the natural world. I take full advantage of what every season offers. In warmer months, I mountain bike, kayak, hike and run. In the winter I downhill ski at Sugarbush, XC ski, snowshoe, and ice skate.

Most evenings you will find me watching Philadelphia Flyers hockey, reading about the latest in technology, modifying my home audio setup for sound quality, or walking my German Shepherd around the neighborhood.


I am a resident of the Five Sisters neighborhood in Burlington, but spend time in Middlebury, Waitsfield, Montpelier, and much of the rest of Vermont. I prefer to meet clients where it is most convenient and comfortable for them. As of now - phone, FaceTime, Google Hangouts, or Zoom are all viable options.




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


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