THE "ADVICE BUSINESS" IS BROKEN

From Bankers to Brokers, Attorneys to Agents, and Accountants to Advisors, there is no shortage of professionals vying to assist business owners with various aspects of their lives. Virtually none of them, however, are incentivized to lead the diverse team of specialists required to affect meaningful change. The hourly billing structure and sales-based incomes of most professionals tends to limit their ability to invest the time and energy necessary to understand all aspects of their clients’ lives.

Most professional advisors simply lack the financial incentives and organizational framework required to provide truly comprehensive advice.

OUR APPROACH

Mosaic was built upon a completely different business model – to provide unbiased, comprehensive advice in exchange for a flat-fee. This structure eliminates conflicts and aligns our financial incentives with our clients’ interests. Our methodology is simple; we base our engagements on the actual scale, scope, and complexity of each endeavor.  By doing so, we are able to focus our energy, effort, and expertise on client education and advocacy, not salesmanship.

Mosaic’s business model was formed upon the premise that compensation and motivation are inextricably linked.

MOSAIC FILLS A VOID FOR SUCCESSFUL FAMILIES

Our job is to distill the extraordinarily complex into its most understandable components so that our clients can better understand their current situation and the steps required to meet their goals. We are responsible for making critical information easy for our clients to digest and tasks simple for them to delegate. With a complete understanding of our clients’ financial and business lives, we are then empowered to coordinate their professional advisory team in order to create an environment of effective communication and proactive collaboration.

Our purpose is to significantly alleviate the personal burden associated with being successful.

EVERYONE IS A "PLANNER" WHEN
YOU HAVE LIQUIDITY

Advisors often focus their efforts on clients who have already achieved substantial liquidity, which translates to planning recommendations that may only address easy to value assets such as marketable securities and life insurance. While important, these are effectively the byproduct of the economic engine that drives family wealth and therefore less impactful. In direct contrast, we believe that planning is ineffective unless it includes those hard to value assets such as operating businesses, real estate, oil and gas interests, and private equity. For many successful families, their illiquid investments are often the most valuable, yet least planned for assets. Advising on these types of holdings is difficult, time consuming, and requires substantial expertise. It is the reason why many advisors only morph into “planners” when liquidity either exists or is on the immediate horizon.

Our entire focus is on providing advice when its most impactful – not when it is easiest or most convenient.

WE ADVISE FAMILIES WITH SIGNIFICANT RESOURCES & COMPLEX NEEDS

Our clients tend to share common goals such as reducing taxes, shielding assets from creditors, effectively transitioning their business, equalizing their estate among their children, and efficiently giving to charity.

Due to our specialization, we’ve found that we deliver the highest value once a family’s success surpasses at least one of the following thresholds.

  • Annual business revenue of $30,000,000
  • Annual income of $3,000,000 (from all sources including EBITDA)
  • $30,000,000 net worth (e.g., operating business, real estate, private equity, liquid investments)

YOUR SITUATION CAN BE IMPROVED

The families who engage Mosaic have access to the best professionals that money can buy, and many have already undergone significant planning for their family and business. Regardless of their past efforts, whether that be extensive or non-existent, we have yet to meet a family who completely understands the inner workings and potential consequences of their existing structure. Once shown how their current plan actually works, it is equally rare to find a family who is satisfied with the status quo.

These important decisions impact everything you own and everyone you love.

LASTING IMPACT

We have all heard the adage “shirtsleeves to shirtsleeves in three generations”. Countless studies have explored the cause of this phenomenon and found that the continuity of family success doesn’t typically fail because of bad advice, onerous taxes, or poor investment choices. The cause is that families lack the ability to understand their current structure and effectively communicate the responsibilities, expectations, and opportunities that come along with their success. While this cycle may be the norm, it doesn’t have to be.

We provide guidance to business leaders for the benefit of all stakeholders – family, employees, and the community at large.

LET'S BEGIN A CONVERSATION

We are acutely aware that our role is to help families make more informed decisions, simplify their complicated lives, and communicate their most important values.

We welcome the opportunity to discuss how our process may benefit you and your family.