Tom Lo, CFP®, MBA Vested Financial Planning, LLC

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About Tom Lo, CFP®, MBA

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 to 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.

•Aspiriant Wealth Manager

•BA, Stanford University
•MBA, Darden School of Business, University of Virginia
•Certified Financial Planner™ professional

•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.

•Volunteering or coaching our two sons’ sports teams, which include soccer, baseball, basketball, and running.
•Hanging out with my wonderful wife and two boys.

•Rainbow Pizza in San Mateo
•Back A Yard Caribbean Grill in Menlo Park
•Sunny Bowl in Mountain View
•Cho’s in Los Altos

•This American Life
•Freakonomics Radio

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Ideal Clients

  • Engineering Professionals
  • Equity Recipients (RS/RSU SOP ESPP)
  • Gen X
  • Technology Professionals

Ways Advisor Charges

  • Monthly Fee
  • Quarterly Fee
  • Assets Under Management

Fee Options

  • Monthly: $500+/mo
  • Quarterly: $1500+/qtr
  • AUM: 0.40%

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