Andy Panko
Tenon Financial · Metuchen, New Jersey
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.
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Specialties
Who they serve
- Retirees
- Pre-retirees
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 |
| Accepting new clients | Not currently |
| Assets under management | $316.0M across 460 accounts |
| Credentials | CFP · RICP · TPCP · EA |
| SEC registration | Investment adviser representative in NJ, TX · CRD 5226800 |
| Exams passed | Series 63 (2011) |
| Firm size | 3 employees |
| Disclosures | None reported |
| Website | tenonfinancial.com |
| Profile |
How Andy's firm compares
- Ongoing planning starts at $13,200 a year, above the New Jersey median of $7,450 for fee-only firms that publish prices.
- Tenon Financial's average account is about $687,000, from its Form ADV (assets managed divided by 460 accounts).
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Questions about Andy
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in New Jersey
Other advisors in New Jersey who focus on retirement planning
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- Tenon Financial website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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