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Welcome to Tenon Financial

We help you plan and live your best possible retirement

We're a financial advisory firm that focuses on TERP...Tax-Efficient Retirement Planning

We believe your retirement should be filled with the freedom to spend your time how you choose without having to worry about your sources of income, investments or taxes. We spend our time focusing on those things so you don't have to!


As seen in:


What we do

We provide tax-efficient retirement planning and investment management


How we do it

We tailor our services to your needs by providing three different service offerings:

  1. Creation of a comprehensive retirement-focused financial plan
  2. Ongoing retirement financial planning, tax planning & investment management
  3. Hourly advice for your specific retirement planning areas of interest 


Why we're different

We proudly differentiate ourselves from typical financial advisors:


We specialize in retirement planning

A lot of advisors try to be all things to all people - we don't. Our expertise is specifically in helping you make the most of your finances before and during retirement


We do tax planning

Most advisors aren't willing or able to give tax advice. We incorporate careful tax minimization planning into all aspects of our services. We can also coordinate the preparation and filing of your tax returns through Tenon Tax Preparation, a separate company that's under common ownership with Tenon Financial


We're independent

We're a standalone company not affiliated with any banks, brokerages or insurance companies. This allows us to offer truly comprehensive advice without restriction or pressure to make certain recommendations


Our fees are clear and fair

We're "fee-only," which means we don't sell products for commission and don't receive any form of compensation from anyone other than you. For our ongoing planning & investment management service, we charge a flat annual fee...our fee is not a percentage of your investable assets


We're fiduciaries

Unlike many advisors or financial salespeople who are affiliated with banks, brokerages or insurance companies, we're regulated solely as fiduciaries.  This means we're ALWAYS required to act in YOUR best interest


We understand Social Security

We have in-depth knowledge of how to maximize Social Security benefits, which are likely to be a critical part of the foundation of your retirement


We're credentialed

In addition to having relevant education, professional and academic experience, our founder and planner, Andy Panko, has obtained a combination of industry designations focused on tax-efficient retirement planning:

  • CFP® - CERTIFIED FINANCIAL PLANNER™
  • RICP® - Retirement Income Certified Professional®
  • EA - IRS Enrolled Agent


We can work virtually

Our physical presence is in New Jersey but we're able to provide our full suite of services virtually thanks to our use of best-in-class systems and software



Next steps


Ready to chat?

  • To further explore how we can help with your tax-efficient retirement planning, schedule a free introductory call:

 click here to schedule a call