Services and Fees


What does a fulfilling and secure retirement mean to you?
Planning for the transition from working to retirement can be unsettling.  Together we will compile a picture of where you are today, and then develop a plan for achieving your individual retirement goals.

Investment Management

savingskid2Your investments are the basis for your future wealth.
First, we will discuss your investment objectives, risk tolerance, time horizon, income requirements, and personal tax situation.  Together we will then develop an Investment Policy Statement.  Think of this as a mission statement – a unique document articulating your personal approach to investing.

Cash Flow Analysis

The success of any financial plan is measured by your ability to meet your spending objectives throughout your lifetime.
At Mosaic Financial Advisors, we complete a thorough cash-flow analysis of your current financial situation in order to chart a course for future income, spending and savings.

Estate, Charitable, and Gift Planning

How can you best protect your loved ones?
Estate and gift planning strategies are a critical part of your overall financial plan, and should be designed to protect your loved ones and transfer wealth in the most tax-efficient manner possible.  We will coordinate with your estate attorney to ensure that your financial picture is complete, and that your intentions are clearly formulated and expressed.


Is your current coverage adequate?
Mosaic Financial Advisors will conduct a review of your individual circumstances for risk exposures: property damage, long-term care, disability and death. We will suggest areas you may wish to discuss further with your insurance representative.

Tax Planning and Preparation

We provide year-round help to reduce your tax burden.

Taxation impacts your financial situation on almost every level and is a central consideration in designing your customized plan.  As part of our ongoing planning relationship, Mosaic Financial Advisors will utilize its experience in tax preparation and expertise in tax regulations to provide you with a tax-efficient financial plan.

Education Planning

How can you meet the challenge of tuition?

Whether you are looking to finance a child’s or grandchild’s college tuition, or considering going back to school yourself, we can help you with the financial aid process and provide an individualized plan for anticipating and meeting this financial challenge.

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 15 and 30 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 fixed fee, payable quarterly in advance.  The quoted fee is based on income, assets, and the plan’s complexity with a minimum fee of $4,000 and a maximum of $12,000.

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 Fee
The first $250,000 0.8%
$250,001-$500,000 0.7%
$500,001-$750,000 0.6%
>$750,000 0.5%

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.

Stand-alone Fee Table:  (click here to download the entire fee table)