Vista Finance LLC

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Wrap Comprehensive Portfolio Management:

Please refer to Item 4 of our Wrap Fee Program Brochure for information regarding our Wrap
Comprehensive Portfolio Management service fees.

Financial Planning & Consulting:

Our firm charges a flat or recurring fee for financial planning and consulting services. The ultimate
fee charged is based on the scope and complexity of our engagement with the client. Flat and annual
recurring fees will not exceed $100,000. The fee-paying arrangements will be determined on a case-
by-case basis and will be detailed in the signed consulting agreement. Our firm will not require a
retainer exceeding $1,200 when services cannot be rendered within 6 months.

Third-Party Professionals charge their own fees, which are separate from and in addition to our
advisory fees. If authorized by the Client, Vista will collect fees from the Client to cover Third-Party
Professionals’ expenses. Vista will not use this fee for any other purposes. If Third-Party
Professionals’ fees exceed the amount collected below, Vista will request additional money to cover
these fees via direct invoice. If any portion of the fees collected go unused, Vista will reimburse the
Client within 6 months of payment.

ADV Part 2A – Firm Brochure                    Page 6                                      Vista Finance, LLC

Portfolio Monitoring:

The maximum annual fee charged for Portfolio Monitoring will not exceed 0.75% of assets under
management or an annual flat fee of $5,000 per year (whichever is greater) *. Fees to be assessed will
be outlined in the advisory agreement to be signed by the Client. Annualized fees are billed on a pro-
rata basis monthly in advance based on the most current asset valuations. Fees are negotiable and
will be deducted from one of the Client’s managed accounts. In rare cases, our firm will agree to
directly invoice.

*Please note: Our firm generally charges a minimum account fee of $5,000 dollars for Portfolio
Monitoring service. Depending on the amount of assets held at our firm, this fee percentage could be
higher than 0.75%. Our firm may waive this minimum account fee at our discretion.

Retirement Plan Consulting:

The maximum annual fee charged for this service will not exceed 0.50%. The fee-paying
arrangements will be determined on a case-by-case basis and will be detailed in the signed consulting
agreement.

Other Types of Fees & Expenses

For accounts and assets held away from Fidelity, including those managed via Pontera, Clients will
incur transaction fees for trades executed by their chosen custodian, via individual transaction
charges. These transaction fees are separate from and in addition to our firm’s advisory fees.

Clients may pay holdings charges imposed by the chosen custodian for certain investments, charges
imposed directly by a separately managed account, mutual fund, index fund, or exchange traded fund,
which shall be disclosed in the fund’s prospectus (e.g., fund management fees, distribution fees,
surrender charges, variable annuity fees, IRA and qualified retirement plan fees, mark-ups and mark-
downs, spreads paid to market makers, fees for trades executed away from custodian, wire transfer
fees and other fees and taxes on brokerage accounts and securities transactions).

Our firm may also recommend the use of alternative investment funds, which charge additional
management fees and performance-based fees. The specific fees to be assessed shall be detailed in
the applicable fund’s disclosure documents that are provided to Clients. Our firm does not receive a
portion of these fees.

Our firm may use Pontera to manage assets that are “held away” for our Wrap Comprehensive
Portfolio Management clients when the service is requested by client and or clients. Our firm does
not charge an additional fee for managing held-away assets for clients that engage us under a Wrap
Comprehensive Portfolio Management agreement, however, Pontera charges a 0.25% fee for those
assets. This fee is separate from and in addition to our fee. Please see Item 4 of our Wrap Brochure
for additional information.

Termination & Refunds

Either party may terminate the advisory agreement signed with our firm for Wrap Comprehensive
Portfolio Management and Portfolio Monitoring services in writing at any time. Upon notice of
termination our firm will process a pro-rata refund of the unearned portion of the advisory fees
charged in advance.

ADV Part 2A – Firm Brochure                   Page 7                                    Vista Finance, LLC

Financial Planning & Consulting clients may terminate their agreement at any time before the
delivery of a financial plan by providing written notice. For purposes of calculating refunds, all work
performed by us up to the point of termination shall be calculated at the hourly fee currently in effect.
Clients will receive a pro-rata refund of unearned fees based on the time and effort expended by our
firm.

Either party to a Retirement Plan Consulting Agreement may terminate at any time by providing
written notice to the other party. Full refunds will only be made in cases where cancellation occurs
within 5 business days of signing an agreement. After 5 business days from initial signing, either
party must provide the other party 30 days written notice to terminate billing. Billing will terminate
30 days after receipt of termination notice. Clients will be charged on a pro-rata basis, which
considers work completed by our firm on behalf of the client. Clients will incur charges for bona fide
advisory services rendered up to the point of termination (determined as 30 days from receipt of
said written notice) and such fees will be due and payable.

Commissionable Securities Sales

Representatives of our firm are registered representatives of Little River Capital, LLC (“Little River”),
...

Types of Clients

Our firm has the following types of clients: Individuals and High Net Worth Individuals; Trusts,
Estates or Charitable Organizations; Pension and Profit-Sharing Plans; Corporations, Limited
Liability Companies and/or Other Business Types.

ADV Part 2A – Firm Brochure                      Page 8                                    Vista Finance, LLC

Account Requirements

Our firm targets a minimum account balance of $500,000 for our Wrap Comprehensive Portfolio
Management. Generally, this minimum account balance requirement is negotiable and would be
required throughout the course of the client’s relationship with our firm. Also, Clients who opt into
electronic delivery of statements or maintain at least $1 million in assets at Fidelity will not be
charged transaction fees for U.S. listed equities and exchange traded funds.

Minimum Account Fee

In addition to the minimum annual fee for Portfolio Monitoring described above, our firm also
requires a minimum annual fee for Wrap Comprehensive Portfolio Management. For more
information, please see refer to Item 4 of our Wrap Brochure or Item 5 of this Brochure.