Manny R. Apolonio, MSFP, CFP

Senior Financial Planner, Partner

As a Certified Financial Planner with more than 10 years of financial services experience, Manny has proven to be a valuable asset to Hanke & Co. Wealth Management and its clients. With a Master’s in Financial Planning from Golden Gate University and a Bachelor’s in International Business from University of San Francisco, Manny translates academic theory into practice that directly benefits his clients.  Manny has completed 120 hours of positive psychology coach training from Co-Active Training Institute. These skills help Manny help move clients from reactivity around their finances and into recognition of their achievements and a disposition towards new possibilities.

Manny believes that the financial planning process should foster an environment of creative problem-solving, not of judgement. “My training and experience allow me to create a space that allows for open discussion about sensitive issues. My clients appreciate this approach because it allows them to relax and show up just as they are.  

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For Manny, the science in financial planning appeals to his rational and logical brain, that part that appreciates order, systems, and hard facts. However, the art of financial planning is where he feels most in his element. “I can review numbers and facts all-day, but it’s my job to translate data into an actionable plan, a plan that considers my clients emotions and ultimately motivates behavior changes to get the client on a path towards their goals.”


As a self-identified extrovert, Manny enjoys meeting people and learning about them through their stories. He believes that connecting with clients on a personal level allows him to understand their financial fears, histories, intentions, and goals.  “People are complex, they have life-long beliefs, habits, fears, needs, wants, and wishes. Challenging dated beliefs or seeing things through a different lens is hard to do alone.“


Manny enjoys reading biographies, editorials, and popular psychology. He travels often and has even lived in Munich and Beijing. He is fluent in conversational German and is currently relearning Spanish. Depending on the season, Manny is rehearsing with the San Francisco Gay Men’s Chorus as an Upper-Tenor II, running with San Francisco Frontrunners through Golden Gate Park, or enjoying California’s plentiful natural beauty. Manny’s Maltese-terrier mix Harry is a playful addition to his household of which Manny hopes, one day, will include more humans. Manny performs in amateur drag shows to fundraise for the Castro Country Club. Manny newest adventure, will include training for a seven-day, 545-mile charity bike ride from San Francisco to Los Angeles. 


“Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.”

William A. Ward

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