Vested Financial Planning provides financial planning, portfolio management for individuals and small businesses, and selecting other managers. Financial planning was provided to 26–50 clients last fiscal year.
Vested Financial Planning reports 37 high-net-worth individuals. Of its assets, 100.0% ($157M across 338 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| High-net-worth individuals | 100% | 100% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| High-net-worth individuals | 37 | $157M | 100.0% | $4.25M |
| Total | 37 | $157M | 100% | $4.25M |
- Clients
- 37
- Regulatory AUM
- $157M
- AUM share
- 100.0%
- Avg. per client
- $4.25M
Total
- Clients
- 37
- Regulatory AUM
- $157M
- AUM share
- 100%
- Avg. per client
- $4.25M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 26–50
Vested Financial Planning is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Comprehensive Financial Planning
- Comprehensive financial planning has an ongoing annual fee of $10,000 to $50,000, paid quarterly in advance and rising 3% each year.
- Employee Equity Planning
- Employee equity planning has an annual fee of $1,000 to $50,000, paid quarterly in advance and rising 3% each year.
- Project Based Financial Planning
- Project-based financial planning has a fixed fee of $10,000 to $50,000, with half due at the start and the rest at completion.
Thomas Lo owns 75% or more of Vested Financial Planning. It has 1 employee.
Leadership
- Thomas LoPrincipal, CCO
Investment adviser representatives
1 representatives listed in the SEC register as of 9 October 2026.
Staff
- 1 employee
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Vested Financial Planning, LLC
Thomas Lo
Control person · since April 2018
Vested Financial Planning’s regulatory assets grew 1.5× from $102M (April 2024) to $157M (March 2026); clients fell from 41 to 37 and employees were 1 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $157M | 37 | 1 | 1 |
| June 2025 | $129M | 35 | 1 | 1 |
| April 2024 | $102M | 41 | 1 | 1 |
Besides its headquarters, Vested Financial Planning has 0 offices, with 1 listed address with no US state reported.
Other business names
Vested Financial Planning has reported 1 other business name to the SEC.
- Vested Financial Planning
Contact and registration details
- Legal name
- Vested Financial Planning, LLC
- Headquarters
- Not reported
- Website
- vestedfinancialplanning.com
- Phone
- 650-315-7372
- @vestedfinancialplanning
- SEC file
- 801-129759
- Structure
- California LLC
- Fiscal year end
- December
Vested Financial Planning uses Charles Schwab ($144M) as custodian for its separately managed accounts. Vested Financial Planning has custody of $124M in client assets for 89 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $144M100%
At year end, Vested Financial Planning’s separately managed accounts were mostly in funds (93%). Its reported 13F holdings for the quarter ended 30 June 2026 total $149M across 29 positions; the largest are Dimensional ETF Trust (28.8%), Dimensional ETF Trust (13.1%) and Vanguard Index Fds (13.0%).
What the accounts hold
- Stocks4%
- Funds93%
- Cash3%
Reported 13F holdings
- $149M
- Reported 13F value
- 29
- Positions
- 88.7%
- In the 10 largest
- +13.4%
- Value vs. prior quarter
- Dimensional ETF Trust · US Cor Equ 2 ETF28.8%
- Dimensional ETF Trust · World EX US Core13.1%
- Vanguard Index Fds · S&P 500 ETF Shs13.0%
- Dimensional ETF Trust · Natl Mun BD ETF8.0%
- Vanguard Mun BD Fds · Tax Exempt BD5.7%
- SPDR Index Shs Fds · ST Str PO EX ETF5.1%
- Dimensional ETF Trust · Core Fixe IN ETF5.0%
- Dimensional ETF Trust · US High Prof ETF4.9%
- Vanguard Index Fds · Extend Mkt ETF3.3%
- Apple Inc.1.8%
Together, the ten largest are 88.7% of reported value.
How many clients does Vested Financial Planning have?
Vested Financial Planning has 37 clients and manages $157 million for them, as of March 2026. They include 37 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 3 March 2026
What services does Vested Financial Planning offer?
Vested Financial Planning provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Vested Financial Planning use?
Vested Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $144M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 March 2026
How many financial advisors does Vested Financial Planning have?
Vested Financial Planning has 1 investment adviser representative registered with state securities authorities, out of 1 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Vested Financial Planning invest in?
At the end of its last fiscal year, Vested Financial Planning’s separately managed accounts held 93% registered funds (mutual funds, ETFs, BDCs), 4% exchange-traded equities and 3% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Vested Financial Planning?
Vested Financial Planning’s direct owner is Thomas Lo (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 3 March 2026
How does Vested Financial Planning get paid?
Vested Financial Planning is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Vested Financial Planning?
Its phone number is 650-315-7372. Its website is vestedfinancialplanning.com.