Andy has been counseling individuals, families, and business owners in the areas of Wealth Accumulation, Asset Protection, and Legacy Planning since 1995. Andy strives to inspire his clients to TAKE ACTION and control of their financial lives through a process of education, communication and individualized service that surpasses their expectations.

Andy has a Masters of Science Financial Services degree from the institute of Business and Finance, and has received numerous accolades since joining Money Concepts in 2012 including membership into the firms most prestigious APEX Club in 2021. He has consistently ranked in the TOP 100 among all Money Concepts advisors worldwide.

Andy served his country for nearly a decade in the US Navy for 6 years and 3 additional years in the Army.

He loves working with his wife Beth, a partner in the practice since 2008.  Andy is a family man who enjoys spending time with his children and grandchildren and is also an outdoor enthusiast.  He enjoys golf, camping, fishing and hunting, along with competing in long range rifle competitions. 

Both Andy and Beth recognize callings in life bigger than just work – they are extremely involved in their church and community.Andy has been counseling individuals, families, and business owners in the areas of Wealth Accumulation, Asset Protection, and Legacy Planning since 1995. Andy strives to inspire his clients to TAKE ACTION and control of their financial lives through a process of education, communication and individualized service that surpasses their expectations.

Andy has a Masters of Science Financial Services degree from the institute of Business and Finance, and has received numerous accolades since joining Money Concepts in 2012 including membership into the firms most prestigious APEX Club in 2021. He has consistently ranked in the TOP 100 among all Money Concepts advisors worldwide.

Andy served his country for nearly a decade in the US Navy for 6 years and 3 additional years in the Army. 

He loves working with his wife Beth, a partner in the practice since 2008.  Andy is a family man who enjoys spending time with his children and grandchildren and is also an outdoor enthusiast.  He enjoys golf, camping, fishing and hunting, along with competing in long range rifle competitions. 

Both Andy and Beth recognize callings in life bigger than just work – they are extremely involved in their church and community.

Because of Andy’s passion for enjoying life and creating a “work/life balance”, he communicates those same principles to their clients.  His passion led him to develop and refine the proprietary process, The Pineapple Formula.  This process allows Andy to help ensure that each client he serves achieves their own individual financial independence. 

Because of Andy’s passion for enjoying life and creating a “work/life balance”, he communicates those same principles to their clients.  His passion led him to develop and refine the proprietary process, The Pineapple Formula.  This process allows Andy to help ensure that each client he serves achieves their own individual financial independence. 

Andrew Panyik MSFS is licensed to sell and/or discuss Securities Products only to residents of the states listed: FL, IN, OH
Andrew Panyik MSFS is licensed as an Investment Advisor Representative (IAR) and is licensed to sell and/or discuss Advisory Services & Products with anyone residing within the United States. IAR registration is in: OH
Andrew Panyik MSFS is licensed to sell and/or discuss Insurance Products only to residents of the states listed:

I am a Certified Financial Fiduciary Advisor, dedicated to providing you with quality independent

Financial products and services.

Independent simply means that I am not bound or restricted to use certain proprietary, or company sponsored products.  I have thousands of financial products available to me, that I can use to best fit

your unique financial situation and goals.  This should be very important to you.

Equally important is my affiliation with Money Concepts International.  They provide access to these products as well as a technology platform that helps me be efficient in my day to day activities.

More important they also provide a support network of education and experience which helps to

Sharpen my skills ultimately benefiting you.

Next you should know that you are very important to me.  I will strive to make you pleased with my

service, and work diligently to help you reach the financial goal that has brought you here to me.

Please take the time to contact me at your convenience to learn more.

Thank you again for your time.  

Vivian Brooks CFF is licensed to sell and/or discuss Securities Products only to residents of the states listed: AZ, FL, OH, PA, TX
Vivian Brooks CFF is licensed as an Investment Advisor Representative (IAR) and is licensed to sell and/or discuss Advisory Services & Products with anyone residing within the United States. IAR registration is in: OH
Vivian Brooks CFF is licensed to sell and/or discuss Insurance Products only to residents of the states listed:

Beth is the “Client Delight Director” and Administrative Assistant at Money Concepts Sunbury since 2012.  Her main initiative is to ensure clients are delighted with the Pineapple Formula experience.  Beth is a living example of the Pineapple lifestyle as she delights in all things family, her position interacting with Money Concepts clients, and spending time laughing and exploring with her g-babies.  She works alongside her husband Andy to elevate and perfect the client (family) experience they provide. 

Beth understands the unique challenges experienced by female clients and acts as a concierge for the many independent women, who work with the financial planner’s at Money Concepts Sunbury, crafting their paths to financial independence. 

The focus on family and God has always been the path followed which showcases itself in how clients are treated. She said of her husband, “Andy really cares about our clients and what is best for them and that has trickled down to everyone who works for him. It is easy to be passionate about my job where making our clients lives better also enhances ours.”

Lisa Stanford is licensed to sell and/or discuss Securities Products only to residents of the states listed: NY
Lisa Stanford is licensed as an Investment Advisor Representative (IAR) and is licensed to sell and/or discuss Advisory Services & Products with anyone residing within the United States. IAR registration is in: NY
Lisa Stanford is licensed to sell and/or discuss Insurance Products only to residents of the states listed: