Tenon Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$315,934,758
Clients
99
Advisors
3
across 2 offices
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
Expertise
Occupation focus
Fee options
Flat annual fee range $3,600 to $36,000 based on complexity
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
See office10 Station Place, Suite 9
Metuchen NJ 08840
Advisors at this office
2
Offices (2)
Most active in
California · Florida · Illinois · Louisiana · Massachusetts · New Hampshire · New Jersey · North Carolina · Pennsylvania · Texas
Also doing business as
Tenon Financial · Tenon Financial LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Michelle W
CFP®, CFA®
Somerville, MA
Tenon Financial
Michelle Wu is a CFP® and CFA® with four years of industry experience. She currently works at Tenon Financial and has prior experience at Putnam Investments, Origin Financial, and Core Planning, LLC. Tenon Financial provides investment management and financial planning services to individual and high-net-worth clients, focusing on passive investment strategies with an emphasis on low costs, tax efficiency, and client-specific portfolio management.
Andy P
CFP®, RICP®, TPCP®, 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.
Brad F
CFP®
Metuchen, NJ
Tenon Financial
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.
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