Sophie Kaluziak, CPA, CFP®

Vista Financial Planning
101 N. Marion St., Suite 306
Oak Park, IL  60301
Phone:  708-445-8747
Fax:  708-445-8747

Map

Office Hours
By Appointment Only
Monday - Thursday
Complimentary Initial Consultation



Personal Financial Planning
Providing Clients Objective Fee-Only Advice

Services:

Other Information:

Who Is Vista Financial Planning?

Do You Need a Financial Advisor?

Goals/Values Exercise

Services

 


Goal Setting & Financial Planning

When do you want to retire? How much do you need to save to meet your goals?

We analyze all of the factors and help you develop realistic projections. You will learn how to adjust your savings and spending to make your financial goals attainable.

You will be guided in setting attainable short- and long-term goals, as well as in finding strategies to balance what may seem to be conflicting goals.

Portfolio Analysis & Asset Allocation Strategy

Are your present investments appropriate for your risk tolerance, tax bracket, and long-term goals? We will look at all of your investmentsincluding retirement accounts and real estate, viewing them as an integrated whole. A personalized asset allocation will be developed based upon your needs and objectives.

We will make specific recommendations for no-load, low-expense mutual funds. For independent investors, you may buy directly from these funds or use a discount broker of your choice. Others may choose to invest through TD Ameritrade, where we are a listed financial advisor.

Insurance Review

Have you ever had your insurance needs evaluated by someone who wasn't trying to sell insurance? We evaluate your priorities and needs, and make recommendations based on sound financial and personal analysis.

Tax Planning & Preparation

Vista Financial Planning offers tax planning advice throughout the year to help you minimize your tax bill. We prepare your personal income tax return(s) and handle any audits you may face, at no additional charge.

Estate Planning

When all is said and done, you don't want the government to decide what happens to your financial assets or who will raise your children. That's why preparation of your will and durable power of attorney documents are key parts of our holistic approach. If you already have the needed documents, a review can help assure they continue to meet your goals and objectives.

Record Keeping System

There are better ways to spend your time than worrying about what records to keep and how to organize them. Streamlining your record keeping saves time and money. We provide you with an organizational system designed to maximize tax savings that requires minimal effort to maintain.

Other Information

 


What Is Fee-Only Financial Planning?

The success of a financial planner should be based on the success of his or her clients, not on the number of products a client purchases. That is why Vista Financial Planning accepts no referral fees, commissions, or other reimbursements from the implementation of recommendations. The only compensation we receive is what you pay us directly. Being compensated by a predetermined client fee rather than commissions assures that the advice you receive is unbiased and always in your best interest.

Why Hire a Financial Advisor?

Most people are not financial experts, yet increasingly find themselves in charge of their own financial futures. Most are aware that planning is critical but don’t have the time or the expertise to develop a plan and make the needed financial decisions. Vista Financial Planning works as your partner in the planning process, helping you to enjoy your life more today while building the future you desire.

What Makes Vista Financial Planning Different?

  • Fee-Only commitment: our compensation is never contingent on the outcome of any financial transaction you make. We accept no commissions. Our only compensation is what you pay us directly.
  • Holistic approach to planning: all the financial areas of your life, including taxes and real estate, are integrated in one overall, comprehensive plan.
  • Focus on client education. We take the time to make sure you understand our advice.
  • Full-Service retainer: with this open-end retainer, you may visit or call anytime in addition to your scheduled appointments, at no extra cost.
  • Complimentary initial consultation: call or email us to schedule a meeting for us to review your situation and develop a proposal.

Who Is Vista Financial Planning?

 


Professional Affiliations

  • (ACA) Alliance of Cambridge Advisors, a national network of fee-only personal financial advisors
  • American Institute of Certified Public Accountants (AICPA)
  • Financial Planning Association (FPA)
  • National Association of Personal Financial Advisors (NAPFA)
  • National Association of Tax Professionals (NATP)

Education & Experience

  • Owner, Vista Financial Planning, 2003 to Present
  • Bachelor of Science in Accounting, Elmhurst College
  • Licensed Certified Public Accountant
  • CERTIFIED FINANCIAL PLANNER™ Professional
  • Illinois Registered Investment Advisor
  • 21 Years of State Taxation Experience

Disclaimer:  Vista Financial Planning is listed with the State of Illinois as a Registered Investment Advisor. The firm will not solicit or accept business in any state in which it is not properly registered or otherwise qualified to conduct business by virtue of a state “de minimus” exemption. This website does not provide investment advice, nor does it constitute an offer to provide investment advice, to any individual or entity in any state or other jurisdiction.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Alliance of Cambridge Advisors

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