Thomas Lo has been Principal, CCO of Vested Financial Planning since April 2018, is a control person of the firm and directly owns 75% or more of it. Thomas Lo holds a BA from Stanford University and an MBA from Darden School of Business, University of Virginia.
Vested Financial Planning, LLC is a firm with $157M under management, 37 clients and 1 adviser in one office, as of its March 2026 filing.
Tom Lo is a financial planner at Vested Financial Planning, based in San Carlos, CA. He works on optimizing RSUs and stock options and on comprehensive financial plans for Silicon Valley tech professionals. After almost 20 years working for companies including eBay, Yahoo!, Intuit and startups, he moved into financial planning more than a decade ago.
Thomas Lo’s longest registration is the current one, 8 years at Vested Financial Planning since 2018. Before joining Vested Financial Planning in 2018, Thomas Lo was registered through Aspiriant, LLC and Fluent Wealth Partners.
- – present · 8 yearsSan Carlos, CA · Adviser representative · Firm CRD 296970
- Aspiriant, LLC– · 1 yearLos Angeles, CA · Adviser representative · Firm CRD 146720
- Fluent Wealth Partners– · 3 yearsSan Jose, CA · Adviser representative · Firm CRD 147512
Professional designations
Listed by Vested Financial Planning
- CFP
Investment adviser representative registrations
Thomas Lo is registered as an investment adviser representative in 2 states, as a resident of Texas. The first approvals date from May 2018; the most recent is Texas, in December 2022.
- CaliforniaSince 25 May 2018
- TexasResidentSince 8 December 2022
Examinations
| Exam | Name | Passed |
|---|---|---|
| Series 65 | Uniform Investment Adviser Law Examination | 31 December 2011 |
- Name
- Uniform Investment Adviser Law Examination
- Full name
- Thomas Hsin Lo
- CRD
- 6021385
- Firm
- Vested Financial Planning · CRD 296970
- Role
- Principal, CCO
- Office
- San Carlos, CA
- Registration
- Investment adviser registration
- In the industry since
- July 2013
- Disciplinary history
- Not yet shown here · SEC record
- Firm bio
- vestedfinancialplanning.com
Where does Thomas Lo work?
Thomas Lo has been Principal, CCO of Vested Financial Planning, LLC since April 2018, and is a control person of the firm.
Is Thomas Lo a financial advisor?
Yes. Thomas Lo has a current investment-adviser registration in California and Texas, through Vested Financial Planning since May 2018.
How many years of experience does Thomas Lo have?
Thomas Lo has 13 years in the financial industry, since July 2013, across 3 adviser firms.
What exams has Thomas Lo passed?
Thomas Lo passed the Series 65 in December 2011.
Where did Thomas Lo work before Vested Financial Planning?
Before Vested Financial Planning, Thomas Lo was registered through Fluent Wealth Partners, March 2012 to October 2015.
Where is Thomas Lo based?
Thomas Lo’s registered office is in San Carlos, CA.
Is Thomas Lo registered with FINRA?
No. Thomas Lo has no current broker registration.
Is Thomas Lo a CFP?
Vested Financial Planning lists Thomas Lo with the CFP credential (“CFP”) on its website. CFP Board confirms certification status.
Source: TOM LO, CFP®, MBA biography, vestedfinancialplanning.com
How can I verify Thomas Lo’s record?
Search CRD 6021385 on the SEC’s adviser search (adviserinfo.sec.gov), which publishes Thomas Lo’s full registration record.