Thomas H. Lo
VESTED FINANCIAL PLANNING
San Carlos, CA
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CRD#: 6021385
Professional summary
Thomas Hsin Lo, CFP® is a registered financial advisor currently at VESTED FINANCIAL PLANNING, LLC located in San Carlos, California.
Thomas is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2012. Thomas has worked at 3 firms and has passed the Series 65 exam.
Biography
My name is Tom Lo and I’m a fee-only financial planner in San Carlos, CA serving clients locally and throughout Silicon Valley. My firm, Vested Financial Planning, serves the financial planning and investment management needs of Gen X Silicon Valley tech professionals to enable them to make the most out of their employee equity (RSUs, ISOs, NQSOs, ESPP), buy a house, fund their children’s education, and achieve financial independence.
I understand the needs of tech professionals because I worked in Silicon Valley for 20 years at companies including eBay, Yahoo!, Intuit, and startups before making a career change into financial planning seven ago. I earned my CFP®, spent a few years at a boutique fee-only firm in San Jose, worked 2 ½ years at a leading wealth management firm in San Francisco, and then built my own firm to serve Silicon Valley tech professionals.
My dream is to help other Silicon Valley employees make better choices for their future. From planning and maximizing employee equity to building comprehensive financial plans, I love being a part of the transformation that happens when you finally get a plan in place and start achieving your goals.
FUN FACTS:
Born and raised in a small town in Tennessee best known as the “Wind Tunnel Capital of the World”
Lived and taught English to college students in China for two years
Named the family cat “Brown Cat” because we let our four-year old son pick the name.
YOU’LL OFTEN FIND ME:
Volunteering or coaching our two sons’ sports teams, which include soccer, baseball, basketball, and running.
Hanging out with my wonderful wife and two boys.
Question & Answer
What are your service offerings?
Investment Planning
Comprehensive Financial Planni...
Retirement Planning
Education Planning
Do you have an area of expertise or specialization?
AUM
Entrepreneurs
Fixed Fee (Subscription, Retai...
Generation X
Investment Advice with Ongoing...
Millennials
What is your minimum asset requirement?
1M
Are you a "fiduciary"?
Yes
Aliases
None
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
The advisor shows no other business activity.
CRS (Client Relationship Summary) - RIA
Click below to view Thomas Hsin Lo's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 2014
Experience
Current
May 25, 2018 - Present
VESTED FINANCIAL PLANNING, LLC
RIA
CRD#: 296970
San Carlos, CA
Past
January 30, 2017 - May 31, 2018
ASPIRIANT, LLC
RIA
CRD#: 146720
LOS ANGELES, CA
Past
March 21, 2012 - October 1, 2015
FLUENT WEALTH PARTNERS
RIA
CRD#: 147512
SAN JOSE, CA
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
VF
VESTED FINANCIAL PLANNING, LLC
VESTED FINANCIAL PLANNING | VESTED FINANCIAL PLANNING, LLC
CRD#: 296970 / SEC#: 801-129759
RIA
Registered Investment Advisory firm - (3/22/2024 Approved)California
Registered Investment Advisory firm - (4/25/2024 Terminated)Texas
Registered Investment Advisory firm - (3/26/2024 Terminated)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.Highlighted states indicate IAR registrations
IAR
California(5/25/2018)
IAR
Texas(12/8/2022)
Current Firm
VF
VESTED FINANCIAL PLANNING, LLC
VESTED FINANCIAL PLANNING | VESTED FINANCIAL PLANNING, LLC
CRD#: 296970 / SEC#: 801-129759
RIA
Registered Investment Advisory firm - (3/22/2024 Approved)California
Registered Investment Advisory firm - (4/25/2024 Terminated)Texas
Registered Investment Advisory firm - (3/26/2024 Terminated)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
San Carlos, CA
Mailing Address
Phone number
(650) 315-7372
Established
Firm type
Fiscal year end
# of Employees
1
SEC notice filing (2 States and Territories)
Documents
Regulatory assets under management
| Total Number of Accounts | 298 |
| AUM (Assets Under Management) | $ 129,158,993 |
Red Flags
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