One Day In July

What One Day In July does

One Day In July is a fee-only, fiduciary Registered Investment Advisor (RIA) founded in 2016 and headquartered in Burlington, Vermont, providing personalized investment management and financial planning to individuals, families, institutions, and nonprofits. The firm constructs client portfolios using low-cost index ETFs from Vanguard, State Street (SPDR), and iShares, with assets custodied at Charles Schwab. It runs a centralized investment desk that executes trades and portfolio adjustments across virtually all client accounts, ensuring consistent strategy and multiple layers of oversight; clients in Frank Koster's book are the noted exception. Service offerings include retirement planning, tax planning, high net worth wealth management, institutional investing, and a specialized environmental (sustainable) investing portfolio. A proprietary Simulator tool is used by advisors to demonstrate the historical impact of fees and dividend reinvestment versus clients' prior portfolios.

The firm operates on an AUM-based, tiered advisory fee model (0.75% on assets up to $600K, stepping down to 0.125% above $23.6M) with a $1,200 minimum annual fee per client; retirement plan accounts are charged a flat 0.50%. It does not accept commissions or third-party compensation, and all advisors are registered solely as Investment Advisor Representatives rather than dually as broker-dealers. The firm is privately held, founder-owned by Dan Cunningham, has taken no external financing, and distributes services through ten physical offices in Vermont, New Hampshire, Massachusetts, and Florida, plus Zoom-based virtual advisory. As of January 1, 2026, AUM stood at approximately $1.36B, up nearly 40x from $35.1M in March 2017, with clients in 33 states despite the small office footprint. GTM is sales-led and referral-driven, reinforced by an extensive research library, monthly Investor Insights newsletter, and consistent USA Today / Citywire / regional award recognition.

Name

One Day In July

Legal name

One Day In July LLC

Website

https://onedayinjuly.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

One Day In July is a fee-only fiduciary RIA based in Burlington, Vermont, providing personalized investment management, retirement, tax, and wealth planning to individuals, families, institutions, and nonprofits using low-cost index ETFs, with $1.36B AUM across 10 offices.

Ownership category

akta.pro rank

Product category

Wealth Management and Investment Advisory

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industries

Tax-Aware Investment Planning (FSAEAAAE), Trust & Fiduciary Advisory for HNW/UHNW (Trust Structuring & Trustee Oversight) (FSAAABAF), Trust & Estate Tax Planning & Compliance (FSAEAKAE)

Keywords

• Investment advisory services
• Fee-only wealth management
• Retirement planning services
• Low-cost index fund investing
• Fiduciary financial advisors

Headquarters

HQ city

Burlington

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Advisory Fee (AUM-based): The firm charges a percentage of assets under management as an annual advisory fee. This is the primary and essentially sole revenue stream. The fee is tiered based on total client AUM, with rates decreasing as assets increase. Additionally, a minimum annual fee of $1,200 per client applies (per client, not per account). Retirement plan accounts may be charged a flat 0.50% fee regardless of asset level. The firm does not accept commissions, fund revenue sharing, or any third-party compensation.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

One Day In July is a fee-only, fiduciary Registered Investment Advisor that provides personalized investment management and financial advisory services to individuals, families, institutions, and nonprofits. The firm constructs diversified portfolios using low-cost index ETFs from Vanguard, State Street, and iShares, held at Charles Schwab, and delivers dedicated advisor relationships via in-person offices and virtual meetings, with retirement, tax, environmental, and high-net-worth offerings integrated into the core service.

Product overview

One Day In July is a fee-only, fiduciary investment advisory firm that operates as a single unified service offering rather than a platform-plus-modules architecture. The firm's core product is personalized investment management delivered through dedicated financial advisors who construct diversified portfolios using low-cost index funds and ETFs. The service integrates retirement planning, tax planning, and specialized offerings such as environmental investing portfolios and high net worth wealth management. The firm maintains a centralized investment desk to ensure consistent execution across all client accounts. A proprietary simulator tool enables advisors to demonstrate the potential impact of low-cost index fund investing. The firm operates across 10 physical office locations in Vermont, New Hampshire, Massachusetts, and Florida, serving clients nationally in all 50 states, with $1.36 billion in assets under management as of January 2026.

Differentiator

Problem solved

Functional benefit

Products and services

• Personalized Investment Management Services One-on-one investment management provided by dedicated financial advisors acting as fiduciaries on all accounts; portfolios are constructed using low-cost index funds and ETFs from Vanguard, State Street, and iShares, with assets held at Charles Schwab. Service is targeted at individuals, families, and institutions seeking transparent, low-fee advisory relationships.
• Retirement Planning Comprehensive retirement planning covering IRA management, 401(k) rollovers, Social Security optimization, and distribution strategies tailored to individual client circumstances and retirement goals. Designed for individuals and families approaching or in retirement.
• Tax Planning Services Tax mitigation strategies integrated into portfolio management, including tax-loss harvesting, asset location optimization, and coordination with client accountants. Provided as part of the firm's fiduciary investment management for individuals and institutions seeking after-tax, after-fee, after-inflation returns.
• Institutional Investing Investment management services for foundations, nonprofits, endowments, pension plans, and business retirement accounts, available in both traditional and environmentally-focused mandates. Targeted at institutional clients seeking fee-only fiduciary oversight and transparency.
• High Net Worth Investing Comprehensive wealth management for high net worth individuals covering estate planning, trust management, business exit planning, required minimum distributions, management of concentrated positions, and sophisticated tax strategies. Includes the firm's lowest fee tier of 0.125% for clients above $23.6M AUM.
• Environmental Investing Portfolios Sustainable investing strategy that screens investments using fossil fuel reserves and carbon intensity metrics while preserving the firm's low-fee index ETF construction approach. Available to both individual and institutional clients with environmental mandates.
• The Simulator Proprietary backtesting tool that advisors use to show qualifying prospective clients how their past investment performance may have varied had they been invested in a diversified portfolio of low-cost index funds, demonstrating the impact of fees, asset allocation, and dividend reinvestment over time.

Quantifiable outcome

• AUM grew from $35.1M (Mar 2017) to $1.36B (Jan 2026) — nearly 40x growth
• +4 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators6 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Wealthfront: Direct-to-consumer digital wealth manager offering passive, low-cost ETF portfolios with tiered advisory fees — directly competes with ODIJ's mass-affluent segment on price and convenience, though ODIJ adds a human-advisor relationship.
• Betterment: Pioneer robo-advisor delivering low-cost index-fund portfolios with optional human guidance — a direct competitor for ODIJ's sub-$600K mass-affluent tier and increasingly the lower middle of the HNW bracket.
• Personal Capital (Empower Personal Dashboard): Hybrid robo + human advisor offering free tools and tiered advisory fees on passive portfolios — overlaps with ODIJ's mass-affluent and HNW segments, especially via its dashboard-driven acquisition funnel.
• Schwab Intelligent Portfolios: Charles Schwab's automated index-investing service with no advisory fee and human advisor access for higher tiers; ODIJ actually custodies assets at Schwab, making this a near-direct substitute at the low end.
• Creative Planning: Large, fee-only RIA with national reach and a fee-based fiduciary model centered on comprehensive financial planning — a structurally comparable peer at much larger scale ($300B+ AUM).
• Buckingham Strategic Wealth: Fee-only fiduciary RIA (part of Focus Financial) using evidence-based, low-cost index fund portfolios with a planning-centric advisor model — directly comparable in philosophy and client segment to ODIJ.
• Carson Group: Network of partner RIAs delivering fee-only financial planning and index-based portfolio management — a growing consolidator operating a model philosophically aligned with ODIJ's fiduciary, low-cost positioning.

Broad incumbents

• Edelman Financial Engines: Largest hybrid RIA in the U.S., combining robo and advisor delivery across retirement, planning, and index allocations; overlaps meaningfully with ODIJ's 401(k) rollover and mass-affluent proposition.
• Vanguard Personal Advisor Services: Vanguard's hybrid advisory service built around its own low-cost index funds — the index provider ODIJ itself relies on, and a likely competitor for cost-sensitive DIY-skeptical investors.

Emerging players

• Facet Wealth: Tech-enabled flat-fee RIA pairing clients with CFP professionals for ongoing planning — competes with ODIJ on transparent, fee-only pricing while leveraging a national remote model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/OneDayInJuly
• LinkedInlinkedin.com/company/one-day-in-july-llc
• Instagraminstagram.com/onedayinjuly_investing

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about One Day In July