About Fluent Wealth Partners
We help people plan and transition to a new lifestyle that is comfortable and sustainable.
Fluent Wealth Partners brings a vast knowledge of complex financial matters, intelligent investing, high net-worth strategies and combines it with a network of chosen industry contacts providing the ideal approach for our clients to meet their lifestyle goals.
Our job is to filter out extraneous information and get to core planning matters. We are adept at explaining these matters in an understandable and relaxed way so we can make clear and purposeful decisions that will get us where we're going.
In short, we help people become financially successful!
Our Approach
Listen. Our approach to wealth planning begins with you. We want to learn about your lifestyle goals, what is important to you, where you are going. Together we'll talk about your current situation, the things you want to achieve for yourself and your family, and explore ideas on how to get there.
Plan. We'll put together a comprehensive plan to meet your goals and provide the lifestyle that you desire. Our integrated approach to planning goes well beyond a simple financial plan. We work with you to examine many aspects of your life and can tap our extensive network of industry contacts for up-to-date knowledge and planning options.
Implement. Fluent Wealth Partners is an active participant in execution of your wealth management plan. We will help you make decisions, explain complex matters in understandable terms, make the right investments in your behalf, and assist you in talking with people in matters affecting your finances.
Extend. Fluent Wealth Partners maintains relationships with some of the best service providers in the country. This network of service providers can be set up to match each person's unique situation. Whether you've just gone through a divorce, or just gone public with your start-up, we know the right people to talk to.
Serve. Our relationships are based on getting to know you personally and understanding how we can serve you best. We limit the number of clients that our planning professionals work with so the focus remains on you. This personal knowledge and continuity allows our planners to recognize opportunities that are the best fit for you.
Our Team
Jason Papier
Jason Papier has been working with high net worth individuals, families, and charities for over a decade. He is the founder and president of Fluent Wealth Partners, LLC. Prior to founding Fluent, Jason was a partner at PWJohnson Wealth Management, a private wealth management firm in the Silicon Valley.
Jason was also a founding partner of Bellatore, LLC a provider of asset management solutions to financial planning firms. Bellatore's investment council has included Nobel Prize winning economist Dr. Harry Markowitz; Behavioral Finance expert Dr. Meir Statman; and risk management expert Dr. Sanjiv Das.
Jason is on the board of the Silicon Valley Capital Club, co-chair of the HOPE Services professional advisory committee and founder of CANVAS at the San Jose Museum of Art.
In 2005, Jason created and began hosting Pro Money Talk. At the time Pro Money Talk was the largest financial podcast on iTunes with over 2 million listeners in over 40 countries. Pro Money Talk was used in the graduate school of business of 13 domestic and foreign universities. Guests on the show included Steve Forbes and Nobel Prize winning economist Bill Sharpe, among others.
Jason is a frequent guest speaker and lecturer. He has provided analysis and commentary to The Wall Street Journal, Consumer Reports, Worth Magazine, American Medical News, Consumer Digest and many other industry and consumer publications.
Bob Manganaro, MBA, CFP
Bob is a partner and senior financial planner at Fluent Wealth Partners, LLC. Prior to working at Fluent, he was a financial planner at PWJohnson Wealth Management, a private wealth management firm in the Silicon Valley. Bob began his career in finance in the corporate sector, working for 20 years at various Fortune 500 companies, with the final 10 years spent at Cisco Systems.
Bob completed the CFP Professional Education Program at the College for Financial Planning and is a CERTIFIED FINANCIAL PLANNER™ (CFP). He is also a Registered Investment Advisor (RIA) and member of the Financial Planning Association. Bob holds a Masters Degree in Business Administration with a Finance concentration from the California State University, East Bay and a Bachelor of Arts Degree in Business from the California State University, Fullerton.
In addition to working with high-net worth families, Bob specializes in helping clients with the sale and transition of closely held family businesses. This includes estate and tax planning strategies for maximizing the intergenerational transfer of wealth as a result of a sale.
Tom Ford, MBA
Tom Ford has been advising wealthy families for over 25 years. He began his career in personal finance at Bailard, Biehl, and Kaiser in the early 1980's and later founded Tom Ford and Associates (TFA), a firm which he ran for over 15 years.
Tom is a member of the National Associate of Personal Financial Advisors (NAPFA) and the Financial Planning Association. He holds a Bachelors Degree from the University of California at Berkeley and a Masters Degree in Business Administration with a Finance concentration from Santa Clara University.
Tom has been a guest lecturer at the FPA and NAPFA national conferences as well as a featured speaker for many other industry and consumer conferences. In addition to working with high-net worth families, Tom specializes in helping clients who have concentrated stock positions.
Tom has a passion for helping the families of those who have served our country. In his free time, through a plan run by the U.S. Department of Veterans Affairs (TSLGI), Tom provides financial planning for the beneficiaries of men and women who have died in service.
Lucy Lam
Lucy has over 15 years of experience working with high net worth individuals and families. She has been with Fluent Wealth Partners since its inception, serving as the Operations Manager. Prior to Fluent, Lucy worked at PWJohnson Wealth Management and in Comerica Bank's Private Banking division.
In addition to working full time and being a single mother of two high school students, Lucy is in the process of receiving her Bachelor of Arts Degree in Finance (Fall 2011). Lucy is fluent in both English and Vietnamese.