Andy  Panko,  CFP<sup>&reg;</sup> - Financial Advisor

Andy Panko, CFP®

RICP®, EA

Owner & Financial Planner

Tenon Financial

33 Wood Ave S, Ste 600
Iselin, NJ 08830-2717
FINANCIAL ADVISOR'S WEBSITE
(732) 902-0066 CONNECT WITH Andy
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General

Andy Panko is a CERTIFIED FINANCIAL PLANNER™ professional and member of the Financial Planning Association. Serving clients at Tenon Financial in Iselin, NJ and the surrounding communities.

Financial Advisor Overview

We focus on helping you make the most of your retirement resources. Our specialty is retirement income planning, aka decumulation planning...how to best live off your nest egg and other sources of retirement income. We take a comprehensive approach to optimizing all of your available resources to help you most effectively achieve your retirement goals. Our holistic process integrates cohesive consideration of Social Security benefits, pensions, investments, real estate, annuities, insurance, work wages, etc. to maximize your retirement income. Furthermore, we have strong tax knowledge which enables us to ensure careful consideration is given to tax minimization. We provide ongoing retirement planning and investment management, as well as one-time financial planning engagements. Unlike most advisors, our fee for ongoing service is not a percentage of your investable assets. We feel that method often overcharges clients who have been diligent savers but who do not have complex financial lives. Instead, our fee is a fair and transparent fixed annual amount. To learn more about us and our views on retirement planning, check out our YouTube channel, Retirement Planning Demystified, and our free Facebook group, Taxes in Retirement.

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Financial Advisor Experience

Prior to launching Tenon Financial, I spent 19 years working in various capacities within the global insurance, banking and investment industries. I've been involved in the creation, trading, risk management, financing and portfolio management of many of the products and services used throughout the financial advisory industry. These experiences have given me a deep understanding and appreciation of the inner workings of the financial services world. That knowledge is incorporated into the services we offer and value we provide. I started Tenon Financial because I realized most advisory firms overcharge for the services they provide and don't give enough consideration to tax planning, which is a tremendous disservice. My goal is to provide truly comprehensive service and a high level of value for a fair and reasonable fee. That's why my fee is a fixed annual amount instead of a percentage of your investable assets. And unlike most advisors who only focus on managing investments, I also specialize in other critically important areas of retirement planning such as Social Security planning and tax minimization strategies. If you'd like to learn more about me and my views on retirement planning, check out my YouTube channel, Retirement Planning Demystified, and my free Facebook group, Taxes in Retirement.

Financial Advisor Certifications

Securities Registrations or Exam Qualifications

Designations & Certifications

  • CERTIFIED FINANCIAL PLANNER™ (CFP®)
  • Other - Retirement Income Certified Professional® Enrolled Agent

Broker-Dealer Affiliation

None/NA

Broker-Dealer Disclaimer


Financial Advisor's Specialties

Budget & Debt Management, Comprehensive Financial Planning, 401(k)/403(b)/IRAs, Charitable & Planned Giving, Annuities, Asset Allocation, Estate Planning, Investment Management, Mutual Funds, Retirement, Stocks & Bonds, Sudden Wealth, Personal Taxes

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Helpful Financial Planning Resources