Find the right services for you

Financial planning services for your employee equity and beyond

PRICING:
Starts at $7,000 for individuals and $8,500 for couples (annual fee billed quarterly).

Fees waived with investment management of $500,000 or more.

 

Ongoing Financial Planning

You’ve got a lot going on and it’s hard to stay focused on your core financial goals. Without a plan, you might miss key opportunities to make the most out of your income.

Working together includes:

  • Meeting to discuss and identify key financial goals

  • Understanding what you need to reach your goals

  • Developing a financial plan to get there

  • Refining the plan and discussing options

  • Finalize plan and identify specific next steps for you to implement to achieve financial goals

A solid plan helps you know exactly how you’ll reach your financial goals. 

We typically meet 2-4 times per year depending on how often you want to meet. You can contact me by phone, email or schedule an in-person visit. Ongoing support will keep your plan current and meeting your needs.

Ongoing Financial Planning

You’ve got a lot going on and it’s hard to stay focused on your core financial goals. Without a plan, you might miss key opportunities to make the most out of your income.

Working together includes:

  • Meeting to discuss and identify key financial goals

  • Understanding what you need to reach your goals

  • Developing a financial plan to get there

  • Refining the plan and discussing options

  • Finalize plan and identify specific next steps for you to implement to achieve financial goals

A solid plan helps you know exactly how you’ll reach your financial goals. 

We typically meet 2-4 times per year depending on how often you want to meet. You can contact me by phone, email or schedule an in-person visit. Ongoing support will keep your plan current and meeting your needs.

PRICING:
Starts at $7,000 for individuals and $8,500 for couples (annual fee billed quarterly).

Fees waived with investment management of $500,000 or more.

 

PRICING:
0.40%-1.00% annual fee based on value of assets under management (billed quarterly). Fee percentage decreases as value of assets under management increases..

 

Investment Management

We focus on your goals, diversifying your accounts and minimizing your investment costs.

Working together includes:

  • Clarifying your investment risk tolerance, time horizon and other key factors

  • Creating an investment policy statement that’s like a mission statement for your investment strategy

  • Implementing your investment strategy for you

  • Monitoring, optimizing and reporting your investments for you

Solid financial plans get you the right investment results 

If you don’t understand your financial goals, you can’t understand what level of investment returns you need to achieve your goals. You could end up investing too conservatively or take unnecessary risks.

We believe in this so strongly that we will waive your ongoing financial planning fees when you invest $500,000 or more with us. 

See the Fee Schedule

The annual investment management fee is determined by the following schedule:

$0 – $1,000,000: 1.00%
$1,000,001 – $2,000,000: 0.85%
$2,000,001 – $3,000,000: 0.75%
$3,000,001 – $5,000,000: 0.60%
$5,000,001 and Above: 0.40%

Investment Management

We focus on your goals, diversifying your accounts and minimizing your investment costs.

Working together includes:

  • Clarifying your investment risk tolerance, time horizon and other key factors

  • Creating an investment policy statement that’s like a mission statement for your investment strategy

  • Implementing your investment strategy for you

  • Monitoring, optimizing and reporting your investments for you

Solid financial plans get you the right investment results 

If you don’t understand your financial goals, you can’t understand what level of investment returns you need to achieve your goals. You could end up investing too conservatively or take unnecessary risks.

We believe in this so strongly that we will waive your ongoing financial planning fees when you invest $500,000 or more with us. 

PRICING:
0.40%-1.00% annual fee based on value of assets under management (billed quarterly). Fee percentage decreases as value of assets under management increases..

 

See the Fee Schedule

The annual investment management fee is determined by the following schedule:

$0 – $1,000,000: 1.00%
$1,000,001 – $2,000,000: 0.85%
$2,000,001 – $3,000,000: 0.75%
$3,000,001 – $5,000,000: 0.60%
$5,000,001 and Above: 0.40%

You’ll be happiest with a financial planner who shares your investment philosophy

Vested Financial Planning Believes:

 

1.  Markets work efficiently – We believe that markets are generally efficient and price movements are difficult or impossible to know in the short term which means that no one can consistently time the market over the long term.

2.  Asset allocation drives returns – The decision of how to divide your portfolio among stocks, bonds and cash drives the vast majority of your return. In fact, studies show that more than 90 percent of your return is determined by your asset allocation.

3.  Diversification improves performance and reduces risk – Diversification among different asset classes, geographies and types enable you to minimize risk for a given level of return.

4.  Minimizing costs fuels results – Minimizing investment costs and taxes plays a critical role in driving your investment returns.

5.  The plan is critical  – Your comprehensive financial plan drives the investment strategy. It’s the only way to know that we are working towards your financial goals.

If you don’t understand your financial goals you can’t understand what level of investment returns you need to achieve those goals.

For example, if you can achieve your financial goals with a lower investments return, you could choose to take less risk in your investments and still achieve your goals.

We recommend that you develop a comprehensive financial plan before you choose an investment strategy. That is why we waive your ongoing financial planning fees when you invest $500,000 or more with our investment management service.

Fee-only Services

We are paid directly by you and never receive commissions or referral fees

No Account Minimums

We’re here to help every level of investor reach their financial goals

Fiduciary Promise

We’re legally bound to always work in your best financial interest

TOM LO, CFP®, MBA

Vested Financial Planning

 

San Carlos, CA 94070 

 tom@vestedfinancialplanning.com

Phone: (650) 315-7372

DISCLOSURE: The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, Vested Financial Planning, LLC (referred to as "VFP") disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement and suitability for a particular purpose.  VFP does not warrant that the information will be free from error. None of the information provided on this website is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. Under no circumstances shall VFP be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if VFP or a VFP authorized representative has been advised of the possibility of such damages. In no event shall Vested Financial Planning, LLC have any liability to you for damages, losses and causes of action for accessing this site. Information on this website should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.

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