# Andy Panko

> Andy Panko is a fee-only financial advisor at Tenon Financial in Metuchen, New Jersey, who holds the CFP, RICP and TPCP credentials. Andy charges a flat fee or retainer and an ongoing planning fee (ongoing planning from $13,200 a year) and focuses on retirement planning, tax planning and flat-fee planning.

Page: https://find.wellspent.co/advisors/andy-panko/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Tenon Financial
- **Based in:** Metuchen, New Jersey
- **Fee model:** Flat fee or retainer; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $13,200 a year
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Not currently (firm's website)
- **Assets under management (firm):** $316.0M across 460 accounts
- **Credentials:** CFP, RICP, TPCP, EA
- **Specialties:** Retirement planning, Tax planning, Flat-fee planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 5226800 (https://adviserinfo.sec.gov/individual/summary/5226800)
- **SEC registration:** Investment adviser representative in NJ, TX
- **Exams passed:** Series 63 (2011)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** https://tenonfinancial.com

## Frequently asked questions

### Is Andy Panko a fee-only financial advisor?

Yes. Andy Panko is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Andy's firm.

### How does Andy charge for financial advice?

Andy charges a flat fee or retainer and an ongoing planning fee.

### How much does Andy charge?

According to Tenon Financial's website, checked October 28, 2026: ongoing planning from $13,200 a year.

### Does Andy work with clients virtually?

Yes. Tenon Financial says on its website that it works with clients remotely.

### Where is Andy Panko based?

Andy Panko is based in Metuchen, New Jersey.

### What does Andy specialize in?

Andy's specialties include retirement planning, tax planning and flat-fee planning. Andy works with retirees and pre-retirees.

### What credentials does Andy Panko hold?

Andy Panko holds the CFP, RICP, TPCP and EA credentials.

### Is Andy Panko registered with the SEC?

Yes. Andy Panko is registered as an investment adviser representative in NJ and TX (CRD 5226800), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Tenon Financial manage?

Tenon Financial reports $316.0M across 460 accounts in assets under management.

### How do I contact Andy Panko?

Through Andy's website, tenonfinancial.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/andy-panko-10864): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://tenonfinancial.com/): specialties, clients served, and fees, checked October 28, 2026

---

Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.