Tenon Financial

Michelle Wu is a CFP® and CFA® with three years of industry experience, currently serving as a financial advisor at Tenon Financial. She previously worked at Origin Financial, Core Planning, LLC, and spent ten years at Putnam Investments. Wu has experience in both investment management and financial planning across various firms. Tenon Financial serves individual and high-net-worth clients, offering tailored investment management, ongoing financial planning, and limited-scope hourly engagements. The firm primarily employs passive investment strategies using index funds and ETFs, supplemented by sector analysis and tactical decisions, and manages approximately $316 million in assets for about 99 clients.

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.

Brad Flood is a CFP® professional at Tenon Financial with over a decade of experience in the investment industry, including roles at HPS Investment Partners and Fortress Investment Group. He joined Tenon Financial in 2025. Tenon Financial serves individual and high-net-worth clients by providing tailored investment management, financial planning, and limited-scope hourly engagements. The firm primarily employs passive investment strategies while incorporating fundamental, technical, and cyclical analysis to guide sector selection and tactical decisions.