The Fluent Wealth 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 Lo, MBA
Tom is a senior financial planner at Fluent Wealth Partners, LLC. Tom has worked over 20 years in various senior management roles in both the financial services and high tech industries including companies such as Wells Fargo Bank, Hewlett-Packard, Yahoo!, and various start-ups.
Tom holds a Bachelors Degree from Stanford University and a Masters Degree in Business Administration from the University of Virginia's Darden School of Business.
Tom especially enjoys working with individuals who work in high tech and start-ups given his past personal work experience with those types of companies.
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.