{"url":"https://nivawealth.com/firms/vested-financial-planning-296970","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/296970","regulatoryAum":157174739,"crd":"296970","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6021385","suffix":null,"lastName":"LO","firstName":"THOMAS","middleName":"HSIN"}],"total":1,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2024-04-03","regulatoryAum":101570990,"clients":41,"employees":1,"offices":1},{"filedOn":"2025-06-24","regulatoryAum":129158993,"clients":35,"employees":1,"offices":1},{"filedOn":"2026-03-03","regulatoryAum":157174739,"clients":37,"employees":1,"offices":1}],"secFileNumber":"801-129759","legalName":"Vested Financial Planning, LLC","displayName":"Vested Financial 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They include 37 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 3 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Vested Financial Planning offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Vested Financial Planning use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Vested Financial Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Vested Financial Planning invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Vested Financial Planning?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Vested Financial Planning get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Vested Financial Planning?","answer":"Its phone number is 650-315-7372. Its website is vestedfinancialplanning.com.","source":"Form ADV Part 1A, Item 1.F, filed 3 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/vested-financial-planning-296970/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-05","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2044679/000204467926000003/0002044679-26-000003-index.html","totalValue":148875659,"positionCount":29,"top10Share":0.886708121977146,"top10":[{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US COR EQU 2 ETF","cusip":"25434V708","value":42831290,"shares":965539,"shareType":"SH","priorValue":38118223,"priorShares":980912},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"WORLD EX US CORE","cusip":"25434V880","value":19431635,"shares":527460,"shareType":"SH","priorValue":18702327,"priorShares":550554},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}