FINANCIAL PLANNING THAT GOES BEYOND THE NUMBERS.

comprehensive advice. ongoing accountability.

a personal relationship you can count on.

Independent, fee-only financial planning and investment management for established families, professionals, business owners, and retirees in Maryland and the DC metro area.

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Who we help

 

  • Established Professionals & Families — Navigating complex financial decisions, competing priorities, and long-term wealth planning.

  • Business Owners & Executives — Coordinating investments, retirement planning, tax strategies, and business-related financial decisions.

  • Pre-Retirees & Retirees — Preparing for retirement, developing sustainable income strategies, and managing wealth throughout retirement.

ONPLANE FINANCIAL BY THE NUMBERS

Discretionary assets under management (AUM) totaled $76,566,457 as of October 31, 2026. Held-away assets under advisement (AUA) represent additional client assets for which OnPlane Financial Advisors provides ongoing financial planning or investment advice, valued as of October 30, 2026. Figures do not overlap and are rounded down to whole millions.

services snapshot

INVESTMENT MANAGEMENT

Disciplined, tax-conscious investment strategies aligned with your financial plan, risk tolerance, and long-term goals. Thoughtful portfolio management without percentage-based advisory fees.

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COMPREHENSIVE FINANCIAL PLANNING

A coordinated approach to retirement, tax planning, estate considerations, insurance, and major financial decisions — with ongoing guidance, implementation support, and accountability.

EXPLORE FINANCIAL PLANNING →

MEET DARREN

At OnPlane Financial Advisors, you'll work directly with founder Darren Straniero—not a rotating team of advisors.

With experience in financial services dating back to 2008, Darren brings a personal, hands-on approach to financial planning, implementation, and ongoing guidance.

GET TO KNOW DARREN→

TRANSPARENT PRICING. INDEPENDENT ADVICE.

At OnPlane Financial Advisors, your advisory fee is based on the complexity of your financial situation—not the size of your investment portfolio.

Our flat-fee approach provides comprehensive financial planning and investment management without commissions or percentage-based advisory fees.

Annual advisory relationships start at $10,000, billed quarterly in advance.

how it works

 

1. Let's Get Acquainted — An introductory conversation with Darren to understand your financial situation, priorities, and whether we're a good fit.

2. Build & Implement Your Plan — Develop a comprehensive financial strategy, coordinate your investments, and put recommendations into action.

3. Ongoing Guidance & Accountability — Regular reviews, proactive planning, and direct access to Darren as your life and financial circumstances evolve.

 

Let’s start a conversation

Schedule an introductory call with Darren to discuss your financial priorities and see whether OnPlane Financial Advisors is the right fit for you.

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INSIGHTS AND PERSPECTIVES
15 Financial Literacy Tips For Kids
15 Financial Literacy Tips For Kids

Yesterday I volunteered at Junior Achievement’s Finance Park (Montgomery County Campus). I wrote about my experience here and after some reflection, I decided it warranted an extra blog post. So if you're a parent and looking to bring financial literacy and open conversations into your family, keep reading below to learn 15 Financial Literacy Tips for kids of all ages. And be sure to read all the way to the end for a bonus tip.

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OPFA at JA Finance Park
OPFA at JA Finance Park

Yesterday I spent four hours with a group of 7th graders from Takoma Park Middle School as part of Montgomery County's Public School's Financial Literacy program. I volunteered for the first time at Junior Achievement's Finance Park (Montgomery County campus) and let me tell you, it was REALLY cool.

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Can Fantasy Football Make You A Better Investor?

My wife and I play in a fantasy football league comprised of a handful of other couples in and around our neighborhood. This season something interesting happened. As the start of our season drew near, one of the couples in the league had to back out. With literally a couple of weeks left before the start of the season we were in a pinch as nine couples had to decide on one other couple to join the league. Dicey, at best.

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OnPlane Financial Advisors LLC (“OPFA LLC”) is a registered investment adviser offering advisory services in the State(s) of Maryland and Virginia, and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by OPFA LLC in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of OPFA LLC, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.