# EDGAR Filing Document

**Accession Number:** 0002020781
**File Stem:** 0002020781-26-000003
**Filing Date:** 2026-1
**Character Count:** 9247
**Document Hash:** 3698bcc0d9469bc8c52b85f83483051b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002020781-26-000003.hdr.sgml**: 20260116

**ACCESSION NUMBER**: 0002020781-26-000003

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260116

**DATE AS OF CHANGE**: 20260116

**EFFECTIVENESS DATE**: 20260116

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Tenon Financial LLC
- **CENTRAL INDEX KEY:** 0002020781

**ORGANIZATION NAME:**
- **EIN:** 834210700
- **STATE OF INCORPORATION:** NJ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24079
- **FILM NUMBER:** 26539731

**BUSINESS ADDRESS:**
- **STREET 1:** 10 STATION PLACE
- **STREET 2:** SUITE 9
- **CITY:** METUCHEN
- **STATE:** NJ
- **ZIP:** 08840
- **BUSINESS PHONE:** 732-902-0066

**MAIL ADDRESS:**
- **STREET 1:** 10 STATION PLACE
- **STREET 2:** SUITE 9
- **CITY:** METUCHEN
- **STATE:** NJ
- **ZIP:** 08840

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Tenon Financial LLC<br>**Address:** 10 STATION PLACE<br>SUITE 9<br>METUCHEN, NJ 08840

**Form 13F File Number:** 028-24079

**CRD Number (if applicable):** 000305581

**SEC File Number (if applicable):** 801-128567

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Andrew Panko<br>**Title:** Chief Compliance Officer<br>**Phone:** 732-902-0066

**Signature, Place, and Date of Signing:**

/s/Andrew Panko  Metuchen, NJ  01-16-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 49

**Form 13F Information Table Value Total:** $237225557

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 369340 | 1180 | SH |  | SOLE |  | 0 | 0 | 1180 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 1818862 | 7880 | SH |  | SOLE |  | 0 | 0 | 7880 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 | BBG00Q9MQZW3 | 836568 | 8203 | SH |  | SOLE |  | 0 | 0 | 8203 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 3912667 | 14392 | SH |  | SOLE |  | 0 | 0 | 14392 |
| APPLIED MATLS INC | COM | 038222105 | BBG001S5NMM7 | 233861 | 910 | SH |  | SOLE |  | 0 | 0 | 910 |
| BROOKFIELD CORP | CL A LTD VT SH | 11271J107 | BBG001SF86D7 | 496163 | 10812 | SH |  | SOLE |  | 0 | 0 | 10812 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 378718 | 9566 | SH |  | SOLE |  | 0 | 0 | 9566 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 220955 | 1942 | SH |  | SOLE |  | 0 | 0 | 1942 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 2490034 | 2317 | SH |  | SOLE |  | 0 | 0 | 2317 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 411081 | 3416 | SH |  | SOLE |  | 0 | 0 | 3416 |
| HCA HEALTHCARE INC | COM | 40412C101 | BBG001T8NTY2 | 415972 | 891 | SH |  | SOLE |  | 0 | 0 | 891 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 | BBG00KJR2K35 | 3435135 | 175486 | SH |  | SOLE |  | 0 | 0 | 175486 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 | BBG00KJR2L24 | 3150407 | 159595 | SH |  | SOLE |  | 0 | 0 | 159595 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 | BBG00LNJW5P2 | 1600105 | 77675 | SH |  | SOLE |  | 0 | 0 | 77675 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 689315 | 3598 | SH |  | SOLE |  | 0 | 0 | 3598 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 494267 | 805 | SH |  | SOLE |  | 0 | 0 | 805 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 | BBG00H5VLN77 | 218192 | 3002 | SH |  | SOLE |  | 0 | 0 | 3002 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 | BBG003H6TMV7 | 416852 | 4925 | SH |  | SOLE |  | 0 | 0 | 4925 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 246399 | 2050 | SH |  | SOLE |  | 0 | 0 | 2050 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 3351473 | 22540 | SH |  | SOLE |  | 0 | 0 | 22540 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 1124059 | 1641 | SH |  | SOLE |  | 0 | 0 | 1641 |
| ISHARES TR | RUS 1000 ETF | 464287622 | BBG001S562W9 | 360743 | 966 | SH |  | SOLE |  | 0 | 0 | 966 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 397306 | 1614 | SH |  | SOLE |  | 0 | 0 | 1614 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 505288 | 765 | SH |  | SOLE |  | 0 | 0 | 765 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 1818951 | 3761 | SH |  | SOLE |  | 0 | 0 | 3761 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 690987 | 3705 | SH |  | SOLE |  | 0 | 0 | 3705 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 302175 | 1700 | SH |  | SOLE |  | 0 | 0 | 1700 |
| QXO INC | COM NEW | 82846H405 | BBG001SCBW07 | 307290 | 15930 | SH |  | SOLE |  | 0 | 0 | 15930 |
| ROCKET LAB CORP | COM | 773121108 | BBG01V7JN489 | 279040 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| S GLOBAL INC | COM | 78409V104 | BBG001S5T5M8 | 484964 | 928 | SH |  | SOLE |  | 0 | 0 | 928 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 | BBG0051K49J8 | 208328 | 4608 | SH |  | SOLE |  | 0 | 0 | 4608 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 408899 | 14907 | SH |  | SOLE |  | 0 | 0 | 14907 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 354598 | 520 | SH |  | SOLE |  | 0 | 0 | 520 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 | BBG001S5SBV6 | 1305766 | 3355 | SH |  | SOLE |  | 0 | 0 | 3355 |
| TYLER TECHNOLOGIES INC | COM | 902252105 | BBG001S5WZB0 | 748564 | 1649 | SH |  | SOLE |  | 0 | 0 | 1649 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 248911 | 3158 | SH |  | SOLE |  | 0 | 0 | 3158 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 31855236 | 430069 | SH |  | SOLE |  | 0 | 0 | 430069 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 | BBG001SK3J43 | 47821722 | 228681 | SH |  | SOLE |  | 0 | 0 | 228681 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 1100626 | 2256 | SH |  | SOLE |  | 0 | 0 | 2256 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 58746988 | 93676 | SH |  | SOLE |  | 0 | 0 | 93676 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 7302678 | 21781 | SH |  | SOLE |  | 0 | 0 | 21781 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 593406 | 3107 | SH |  | SOLE |  | 0 | 0 | 3107 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 583535 | 10854 | SH |  | SOLE |  | 0 | 0 | 10854 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 1094461 | 21763 | SH |  | SOLE |  | 0 | 0 | 21763 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 | BBG001T62M92 | 1357714 | 22655 | SH |  | SOLE |  | 0 | 0 | 22655 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | BBG001TJR1D8 | 37893311 | 502297 | SH |  | SOLE |  | 0 | 0 | 502297 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 12983267 | 207832 | SH |  | SOLE |  | 0 | 0 | 207832 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 366120 | 2551 | SH |  | SOLE |  | 0 | 0 | 2551 |
| XPO INC | COM | 983793100 | BBG001SJW3C0 | 794258 | 5844 | SH |  | SOLE |  | 0 | 0 | 5844 |

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