Disclosures

Jump to:  Optimal Portfolio & Services  |  Form CRS

Important Disclosure Information

Vista Capital Partners (“Company”) is an SEC registered investment adviser located in Portland, Oregon. Company may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Company’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Company’s web site on the Internet should not be construed by any consumer and/or prospective client as Company’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Company with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Company, please contact the SEC or the state securities regulators for those states in which Company maintains a notice filing. A copy of Company’s current written disclosure statement discussing Company’s business operations, services, and fees is available from Company upon written request. Company does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Company web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Company), will be profitable or equal any historical performance level(s).

Certain portions of Company’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Company (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Company, or from any other investment professional. Company is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Company is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Company by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Company’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Company, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Company’s web site, to release and hold harmless Company, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Company.

Disclosures about optimal portfolio construction

Optimal does not mean profitable or most profitable. To the contrary, different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Vista), will be profitable.

Disclosures about our services

The scope of any consulting services depends upon the requests and needs of the client.  Vista does not serve as an attorney, accountant, or insurance agent. Vista does not prepare estate planning documents or tax returns, nor does it sell insurance products.

 


 

Form CRS Customer Relationship Summary

Updated June 2020

Vista Capital Partners is registered with the Securities and Exchange Commission (SEC) as an investment adviser. Investment advisory services and fees differ and it is important for investors to understand the differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.

 

What investment services and advice can you provide me?

We provide portfolio management and financial planning services to help clients protect and grow their wealth.

Our investment portfolios are reliable, repeatable, and based on Nobel Prize–winning research. We use low-cost, tax-efficient index funds from Vanguard and asset class funds from Dimensional Fund Advisors.

Our financial planning services include retirement planning, tax reduction, risk management, employee benefits, college savings, debt management, estate planning, and philanthropy.

Each client has a dedicated team of three. Your team will meet with you at least once a year to review your financial plan. You can also expect regular check-ins, updates, and support in adjusting your plan according to changing needs.

We serve clients with more than $2,000,000 to invest.

For additional information, please see Items 4 and 7 of our Form ADV Part 2A.

Conversation Starters. Ask your financial professional:

  • Given my financial situation, should I choose an investment advisory service? Why or why not?
  • How will you choose investments to recommend to me?
  • What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?

 

What fees will I pay?

Vista charges a quarterly fee, based on assets under management, that includes investment management, financial planning, and unwavering team discipline.

Vista’s fees are exclusive of custodial fees, transaction fees, and mutual funds and exchange traded funds internal management fees, which shall be incurred by the client.

Our fee is typically paid from our clients’ managed accounts so as not to impact day-to-day cash flow. We do not receive commissions or kickbacks.

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.

For additional information, please see Item 5 on our Form ADV Part 2A and our ERISA 408(b)(2) disclosure.

Conversation Starters. Ask your financial professional:

  • Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

 

What are your legal obligations to me when acting as my investment adviser?  How else does your firm make money and what conflicts of interest do you have?

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you.

Conversation Starters. Ask your financial professional:

  • How might your conflicts of interest affect me, and how will you address them?

 

For additional information, please see Item 14 on our Form ADV Part 2A.

 

How do your financial professionals make money?

Vista charges a fee based on assets under management.

We do not receive commissions or kickbacks.

 

Do you or your financial professionals have legal or disciplinary history?

No, neither we nor our financial professionals have legal or disciplinary history.

Please visit Investor.gov/CRS for a free and simple search tool to research you and your financial professionals.

Conversation Starters. Ask your financial professional:

  • As a financial professional, do you have any disciplinary history?  For what type of conduct?

 


 

For additional information about our services, please visit our Approach page at https://vistacp.com/approach. If you would like additional, up-to-date information or a copy of this Form CRS, please call 503.772.9500.

Conversation Starters. Ask your financial professional:

  • Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer?  Who can I talk to if I have concerns about how this person is treating me?