Independent, Fee-Only Financial Planning Since 2009
Helping individuals and families align their financial lives with what matters most.
The purpose of financial planning is to coordinate the many moving parts of a financial life so they work together intentionally, not to predict markets or optimize individual decisions in silos.
In practice, most complexity doesn’t come from a single decision — it comes from accumulation. Accounts are spread across institutions, tax exposure evolves year over year, and business interests run on a different timeline than personal portfolios. Each piece may be manageable on its own, but together they rarely form a coherent strategy, often resulting in missed opportunities and frustration.
Over time, the real challenge becomes less about investment selection and more about alignment — ensuring that liquidity needs, tax strategy, account structures, and long-term goals are all working in the same direction.
Our approach is built around that reality. The goal is not to simplify wealth artificially, but to organize it so decisions can be made with clarity, context, and confidence across your full financial picture.
Money Is a Tool, Not the Goal
Disciplined, Evidence-Based Investing
We believe disciplined investing is a byproduct of good planning.
Over time, we’ve seen that success rarely comes from predicting short-term markets. It comes from building a plan that can be followed consistently through different market environments.
We focus on:
Broad diversification and appropriate asset allocation
Low costs and tax efficiency
Long-term, goal-aligned strategy
Our Approach
We believe financial planning should help people feel more organized, informed, and confident about the future. Investments are important, but they are only one piece of a much broader picture.
We help clients coordinate the many moving parts of their financial lives into a disciplined, long-term strategy aligned with their goals and values.
How we work together
Before we recommend anything, we listen — to understand your family, your goals, your priorities, and the decisions ahead. That's where thoughtful financial planning begins.
Planning is most effective before major financial decisions, life transitions, or periods of uncertainty, when there is time to think clearly and act intentionally.
It's not about predicting the future; it's about being prepared for it.
Get Organized: Bring scattered accounts and competing priorities into one clear picture.
Be Informed: Understand the “why” behind your strategy.
Move Forward with Confidence: Stay prepared for what’s next.
A Relationship Built Around You
You work directly with me — not a call center or a rotating team. I take the time to understand your full financial picture, your priorities, and what matters most to you. When questions arise or life changes, you have a trusted advisor who knows your situation and can help you make thoughtful decisions.
The first conversation is a 10-minute, no-pressure call to see if we’re a good fit.
About the Founder
Randy Derenzo founded Derenzo Advisors in 2009 to help individuals and families take control of their financial lives through thoughtful, independent financial planning.
With more than 25 years of finance and business experience, including leadership roles within a Fortune 100 company,
Randy brings extensive financial expertise and a practical understanding of the real-world decisions families face every day. Having spent decades managing complex financial and strategic initiatives in corporate environments, he brings that same disciplined, analytical approach to helping clients make important financial decisions with clarity and confidence.
He holds a Master of Business Administration (MBA) degree with a concentration in finance and serves clients as a fiduciary Investment Advisor Representative. His approach emphasizes objective guidance grounded in disciplined planning, evidence-based investing, and long-term client relationships.
After years of witnessing families struggle with fragmented financial advice and conflicting priorities, Randy started Derenzo Advisors to offer something different—independent, fee-only planning that puts clients first.
Deeply committed to leadership and community service, Randy served on the board of Heartland Federal Credit Union for seven years, including two years as Chairman. He is also actively involved with Crossroads Church and volunteers with Bogg Ministries.
Living in Washington Township with his wife and four children, he enjoys hiking, traveling, and spending time with friends. He is passionate about helping people simplify their financial lives so they can focus on what matters most.