Tenon Financial

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Total assets under management

$316,033,549

Total clients

96% high-net worth

Total advisors

of 3 employees

Firm size

Supported

1-3 advisors or $200M+ in AUM

Average clients per advisor

Average account size

$3,192,258

About

Tenon Financial provides investment management and ongoing financial planning services to individual and high-net-worth clients, managing discretionary accounts and preparing comprehensive financial plans. Services cover cash flow and debt management, retirement and college planning, estate planning, insurance and tax planning, and implementation of client-specific investment policies.

The firm primarily practices passive investment management, building asset-class-weighted portfolios using index mutual funds and ETFs to emphasize low internal costs, minimal turnover, and tax efficiency, while also employing fundamental, technical and cyclical analysis when constructing or adjusting portfolios. Account supervision is guided by each client’s stated objectives and tax considerations, and clients may impose reasonable investment restrictions.

Tenon Financial charges a flat, negotiable annual fee (stated range $3,600–$36,000, billed quarterly) rather than a percentage-of-AUM or performance-based fee, does not accept third-party compensation, and reports no related parties. The firm recommends Charles Schwab for custody, participates in Schwab’s institutional program for trade execution, research and back-office support, and discloses that those benefits may present potential conflicts of interest.

Client services

Financial planning Portfolio management

Expertise

Cash flow / budgeting College savings (529s, UTMA, etc.) General tax planning

Occupation focus

Founder/Business Owner

Fee options

Fixed

Flat annual fee range $3,600 to $36,000 based on complexity

Other

Minimum fee: Flat fee range from $3,600 to $36,000 annually, negotiated based on client complexity, paid quarterly in arrears Fee-only: Flat annual fee range $3,600 to $36,000, negotiated and prorated quarterly

Main office location

Tenon Financial

10 Station Place, Suite 9

Metuchen NJ 08840, United States

Number of offices

Most active in

California · Florida · Illinois · Louisiana · Massachusetts · New Hampshire · New Jersey · North Carolina · Pennsylvania · Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook X Website 732-902-0066

Advisors at this firm

Michelle W

CFP®, CFA®

Somerville, MA

Tenon Financial

Cash flow / budgeting College savings (529s, UTMA, etc.) General tax planning Founder/Business Owner

Andy P

CFP®, RICP®, EA

Metuchen, NJ

Tenon Financial

We focus on helping you make the most of your retirement resources in a tax-efficient way. 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 carefully consider tax-minimization throughout each step of our process. We provide ongoing tax-efficient retirement planning and investment management. Unlike most advisors, our fee 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.

General retirement planning Social Security optimization General tax planning Founder/Business Owner Baby Boomers (Born 1946-1964)

Brad F

CFP®

Metuchen, NJ

Tenon Financial

Cash flow / budgeting College savings (529s, UTMA, etc.) General tax planning Founder/Business Owner

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