Vista Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Vista Financial Planning is a fee‑only, holistic financial planning firm that primarily serves individuals and families and provides comprehensive services including tax planning and preparation, estate and risk‑management reviews, retirement planning, and portfolio analysis. The firm also offers retirement plan consulting to employee benefit plans, plan sponsors and fiduciaries, assisting with relationships with third‑party administrators, recordkeepers and participant education.
Vista structures client engagements through an Open Retainer model with multiple scheduled meetings in an initial period and periodic renewal meetings thereafter, and does not sell insurance or accept commissions. Investment advice is tailored to each client’s tax situation, risk tolerance and goals, emphasizes no‑load mutual funds, ETFs, U.S. government securities and bonds, and is delivered on a non‑discretionary basis with client approval required for transactions.
What is noteworthy about the firm is the combination of individual, tax‑centric planning with documented retirement plan consulting services for sponsors and fiduciaries and occasional accounting/tax work for a local nonprofit, reflecting capacity to serve both personal and institutional needs. The brochure also highlights a retainer‑based fee framework (combining base, income and net‑worth components) and membership in fee‑only professional organizations, distinguishing its model from peers that rely primarily on percentage‑of‑assets AUM billing.
Client services
Expertise
Fee options
Base fee for One Year Standard Open Retainer: $1,500 without tax preparation; $1,850-$2,250 with tax preparation (based on complexity). Two Year Standard Open Retainer minimum fee is $6,300.
$0+: 0.5% of all marketable assets (net worth component for Open Retainer) $0 - $1,000,000: 0.50% (Annual advisory fee for Retirement Plan Consulting) $1,000,000 - $5,000,000: 0.40% (Annual advisory fee for Retirement Plan Consulting) $5,000,000 - $10,000,000: 0.30% (Annual advisory fee for Retirement Plan Consulting) $10,000,000+: 0.20% (Annual advisory fee for Retirement Plan Consulting)
$300 per hour for financial planning projects.
Account minimum: None stated; brochure explicitly states no minimum net-worth or asset requirements. Minimum fee: Minimum fee for One Year Standard Open Retainer is $4,200; minimum renewal fee is $2,100; minimum fee for Two Year Standard Open Retainer is $6,300. Fee-only: Fees based on fixed fees combined with income and net worth components for Open Retainer; Retirement Plan Consulting fees are asset-based percentages.
Main office
101 N. Marion, Suite 306
Oak Park IL 60301
Advisors at this office
1
Most active in
Illinois
Also doing business as
Kaluziak, Sophie Marie · Vista Financial Planning
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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