Andy Panko, CFP®, RICP®, TPCP®, EA, is the founder of Tenon Financial, a fee-only flat fee retirement planning & investment management firm based in Metuchen, New Jersey but operating completely virtually.

Tenon Financial works with people in or near retirement to help them create and implement income and distribution plans, with particular emphasis on tax planning and long-term tax minimization strategies.

Andy is also the founder of Tenon Tax Preparation, a tax return preparation and filing company. Additionally, he’s on the advisory panel for University of Delaware’s Financial Planning & Wealth Management program and was previously an adjunct professor of finance for Rutgers Business School.

He’s also the creator and curator of the Retirement Planning Education podcast, YouTube channel, Facebook group, blog and website.

Prior to starting Tenon Financial, Andy spent 19 years in various institutional risk management and capital markets roles across multiple major insurers, brokers and investment banks.

He received an undergraduate degree in Finance from University of Delaware and an MBA with a concentration in Finance from Rutgers Business School.