Organized. Informed. Confident.
Fee-only, independent financial planning for families in Dayton, Ohio, and beyond. We help bring the pieces of your financial life together so you can make decisions with clarity instead of uncertainty.
A Financial Plan Built Around Your Life
Money is personal. So is the way we approach planning.
Money touches nearly every part of life—the opportunities we create for our families and the peace of mind we carry into the future. It is deeply personal. As wealth grows, execution rarely stays simple. It often becomes a fragmented mix of tax considerations, investment structures, and uncoordinated assets.
Over time, we've learned most people aren't trying to predict markets or chase returns. They're looking for clarity—a way to bring everything together into a coordinated strategy that actually works.
That's what we do.
Steady Guidance During Uncertainty
When markets fluctuate, the urge to react is normal. But these are often the moments when costly decisions are made and clear thinking matters most. Our role is to help you stay grounded, informed, and focused on the long-term plan we’ve built together.
Before we recommend anything, we listen.
We start with understanding - your family, your business, your goals, and what matters most to you. That’s where better planning begins. Not assumptions. Not pre-packaged strategies. Understanding.
If any of these sound familiar, you’re not alone.
✓ “My accounts are scattered everywhere, and I need help getting organized.”
✓ “401(k), TSP, IRA, SERS, OPERS, Roth, 529, HSA—I need help making sense of it all.”
✓ “I'm not sure if I'm on track for retirement.”
✓ “I'm nearing retirement and need to understand my options.”
✓ “I already have an advisor, but I rarely hear from them and don't really know where I stand.”
✓ “I need someone to help coordinate everything—taxes, investments, retirement.”
✓ “I want a trusted second opinion on my current plan.”
✓ “I'm tired of feeling uncertain about financial decisions.”
We help bring the pieces together.
Who We Serve
Derenzo Advisors works with individuals and families who value thoughtful planning, long-term relationships, and a disciplined approach to financial decision-making.
While every client situation is unique, we work best with those seeking clarity, organization, and a partnership built on trust.
Our Clients Include:
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Leaders balancing the unique intersection of personal and business financial priorities while preparing for their next chapter - whether that means a business transition, sale, or liquidity event.
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Those who prefer evidence-based planning and discipline over speculation or short-term decision making.
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People who want a transparent relationship built on objective guidance rather than product sales or commissioned recommendations.
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Those seeking clarity on income planning, tax-efficient withdrawal strategies, and pension optimization (such as SERS, STRS, or OPERS), along with confidence that they are on track to meet their goals.
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Individuals with assets spread across multiple institutions who want to simplify and bring order to their financial lives.
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Those looking to maximize retirement savings, navigate complex tax considerations, and integrate workplace benefits (such as TSPs/401(k)s into their long-term financial plan.
With Derenzo Advisors, you'll find a trusted, long-term partner - not a salesperson or a one-size-fits-all approach.
The Derenzo Advisors Difference
✓ Independent & Fee-Only
We are fee-only. The only person who pays us is you. We receive no commissions or sales-based product incentives, helping keep our interests aligned with yours over the long term.
✓ Planning-First
Investments matter, but they're only one piece. We help coordinate your entire financial picture - taxes, retirement, insurance, estate and business planning - into one cohesive strategy.
✓ A Personal Relationship
Trust is built through partnership. You work directly with us and have ongoing access when questions, concerns, or life changes arise.
✓ Calm, Disciplined Investing
We do not chase trends or try to outguess markets. We use diversified, low-cost strategies designed to participate in long-term market returns.
Let’s Start with a 10-Minute Fit Call
No preparation required—just a brief conversation to see if it makes sense for both of us to move forward with a deeper discussion. If it does, we’ll schedule your Introductory Conversation from there. No sales pitch, no pressure, just a chance to talk and see if we’re a good fit.
Many people delay planning because they are busy or unsure where to begin. The best time to plan is before a major decision or economic shift.
Planning isn't about predicting the future; it’s about being prepared for it.
Get Organized: Bring scattered accounts into one view.
Be Informed: Understand the "why" behind your strategy.
Move forward with Confidence: Stay prepared for what’s next.