Andy Panko, CFP, RICP, EA, owns Tenon Financial, a fee-only firm in Metuchen, New Jersey, focused on retirement income planning. He works with people at or near retirement on how to draw down savings, manage taxes, and turn assets into reliable income, an area known as decumulation. Before founding Tenon in 2019, he spent nearly two decades in institutional banking and risk roles. As an Enrolled Agent, he also handles tax preparation through a related practice. Panko runs a large retirement-focused online community, a YouTube channel, and a podcast, all centered on practical retirement and tax questions. He holds a finance degree from the University of Delaware and an MBA from Rutgers. Tenon serves clients nationwide.
Fee-Only

