Mosaic Financial Advisors is a fee-only financial planning, tax, and investment management firm. We do not sell or receive commission on the recommendation of any financial products or services, nor do we accept or pay finder’s fees or referral fees. Our compensation structure is designed to eliminate potential conflicts of interest so the work we do for you is objective and geared to your personal situation.
No-Cost, No-Obligation Initial Consultation
Mosaic Financial Advisors provides a no-cost, no-obligation initial consultation. During this meeting we will answer your questions, determine your desired services and set a fee quote. Most importantly, we wish to establish if we have a good “fit” for an ongoing financial advisory relationship. Take this opportunity to ask whatever questions you may have about our investment philosophy, the financial planning process, how we are compensated for services provided, or about any of our other business practices. Expect this initial consultation, either by telephone or face-to-face, to last between 30 and 60 minutes.
Mosaic Financial Advisors offers three service options:
- Financial and Investment Advisory Services
- Investment Advisory Services, and
- Project Financial Planning
Financial and Investment Advisory Services
Our standard service combines both financial planning and investment management services. Under a Financial and Investment Advisory Services agreement we prepare the following individualized reports:
- Comprehensive Financial Plan (contains recommendations across all financial areas for achieving your goals)
- Investment Policy Statement (documents your investment preferences and provides a touchstone for ongoing investment management decisions)
- Full Investment Review (analyzes your current portfolio and provides specific recommendations for enhancement)
We are dedicated to assisting and educating you throughout the implementation process. We monitor your financial situation through on-going communication, periodic updates, and regular investment reviews, and we are available to you for dialogue about all aspects of your evolving financial situation.
Fee: The fee for Financial Advisory Services is set as an annual retainer, payable quarterly in advance. The quoted fee is based on income, assets, and the plan’s complexity with a minimum fee of $4,000*.
Investment Advisory Services
We offer Investment Advisory Services when comprehensive financial planning services are not required. Should your interests lie with investment management services only, we meet with you to understand your circumstances in order to be able to prepare an individualized:
- Investment Policy Statement, and
- Full Investment Review
Mosaic Financial Advisors analyzes your current investment portfolio and presents you with recommendations consistent with your individual objectives and personal investment profile. We assist you with account consolidation, and investment recommendations, as well as ongoing portfolio oversight and performance reporting.
Fee: The fee for Investment Advisory Services is calculated as a percentage of assets under management, payable quarterly in arrears:
|Value of Invested Assets
|The first $250,000
There is no minimum account balance or minimum investment management fee.
Project Financial Planning
For clients with very specific needs, we are pleased to offer Project Financial Planning on an hourly basis. We begin the engagement with a no-cost, no-obligation consultation of up to 30 minutes. During this meeting, we discuss your concerns and determine an estimated cost of the work to be performed. If you decide to engage our services on an hourly basis, the consultation time becomes billable. We consider requests for one-time financial planning on a case-by-case basis.
Fee: Our hourly rate is $250 per hour, payable monthly, or at the completion of the engagement, at the discretion of the advisor.
* Fee schedule is effective March 24, 2015.