# Tom Lo

> Tom Lo is a fee-only financial advisor at Vested Financial Planning, LLC in San Carlos, California, who holds the CFP and MBA credentials. Tom charges an ongoing planning fee and focuses on equity compensation, tax planning and retirement with concentrated positions.

Page: https://find.wellspent.co/advisors/tom-lo/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Vested Financial Planning, LLC
- **Based in:** San Carlos, California
- **Fee model:** Ongoing planning fee
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $157.2M across 338 accounts
- **Credentials:** CFP, MBA
- **Specialties:** Equity compensation, Tax planning, Retirement with concentrated positions
- **Works with:** Tech employees
- **Firm size:** 1 employee
- **Website:** https://vestedfinancialplanning.com

## Frequently asked questions

### Is Tom Lo a fee-only financial advisor?

Yes. Tom Lo is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only).

### How does Tom charge for financial advice?

Tom charges an ongoing planning fee.

### Where is Tom Lo based?

Tom Lo is based in San Carlos, California.

### What does Tom specialize in?

Tom's specialties include equity compensation, tax planning and retirement with concentrated positions. Tom works with tech employees.

### What credentials does Tom Lo hold?

Tom Lo holds the CFP and MBA credentials.

### How much does Vested Financial Planning, LLC manage?

Vested Financial Planning, LLC reports $157.2M across 338 accounts in assets under management.

### How do I contact Tom Lo?

Through Tom's website, vestedfinancialplanning.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/44597): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://vestedfinancialplanning.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.