Our job is to take the extraordinarily complex and distill it down into manageable pieces, so that clients can have an honest look at both their current financial situation as well as viable options to achieve their stated goals. We’re confident that once our clients know what is available to them, they will make the best choice possible for their family. This is often accomplished by simply sharing what other families have done in order to meet similar objectives.

Mosaic strives to provide client advocacy that is unparalleled in the industry.

Mosaic Advisors - Services


Mosaic’s planning process integrates all aspects of our client’s financial life. The implementation of a uniquely customized plan serves as the foundation for informed financial decision making. Within the realm of serious planning, no discipline stands alone. A detailed analysis of cash flow, asset allocation, insurance coverage and existing estate plan enables our group to tailor comprehensive and tested strategies. Mosaic’s holistic approach thoughtfully aligns your financial life with your personal goals.

Though planning tends to focus on wealth itself, we dedicate the time necessary to understand the personal vision and values of each and every client.


Estate planning is often viewed as the distribution of assets upon death. However, the most effective tax and asset protection planning typically occurs during one’s lifetime. Mosaic Advisors provides clients the opportunity to see the actual mechanics, both good and bad, of their current estate plan. We craft a step-by-step comprehensive plan that addresses existing deficiencies and illustrates strategies designed to enhance estate efficiency. Our financial modeling allows us to stress-test recommendations and is a distinctly different approach from other advisors. Mosaic can facilitate strategies ranging from the mundane to the most sophisticated and we believe our focus and expertise in estate planning is unrivaled.

“In this world, nothing can be said to be certain, except death and taxes.”

-Benjamin Franklin


For many clients, the most important goal is asset protection. Tax liabilities are easily quantifiable and tend to lead the initial discussion. However, it is the enveloping of family wealth in protective structures that proves most impactful and typically becomes the focus of our planning endeavors. Thoughtful and integrated plan design can provide both control, as well as the use and benefit of financial assets, while providing unparalleled protection for generations to come.

The effects of unforeseen liability are a critical consideration for the preservation of family wealth.


Though the crown jewel of a family’s wealth, the closely held business is many times the least planned for and most vulnerable asset. Statistics show the majority of family businesses are unlikely to survive to future generations and the traditional approach to business succession planning has yielded meager results. Cash flow constraints and negative tax implications are among the obstacles that must be thoroughly analyzed in advance of strategic implementation. Mosaic provides an actionable and sustainable wealth transfer plan to facilitate either an efficient sale or transition of the family business.

We focus on impactful planning well in advance of a liquidity event or business succession need.


Mosaic’s investment philosophy is the result of years of working with successful families and the realization that their wealth was rarely created by investing in stocks and bonds, but rather through hard work in their chosen career. Our mission is to provide well-informed, objective advice and to create a disciplined framework for making investment decisions. If measured in a thoughtful manner, risk is inherently neither good nor bad, so long as the reward is adequate. To our clients, risk entails both public and private investments, which is why we utilize a total balance sheet approach when analyzing existing holdings. For many, their “risk bucket” is filled with substantial and concentrated exposure to their own line of business. In addition to reviewing asset allocation, the ownership structure and tax implications of investable assets are critical to long-term success. We overlay our comprehensive planning to establish meaningful parameters as well as to provide customized investment solutions.

In the world of complex and opaque investment concepts, many times, the best strategy is the simplest in concept.


Life insurance can be an effective component of an estate plan, but has consistently been relied upon by “planners” as the ultimate solution. Mosaic views the purchase of insurance as a return-based investment decision made only after exhaustive efforts to improve estate efficiency. During the course of a plan, we review and analyze existing coverage to determine policy health, proper structure and actual need. Due to policy neglect and complex internal mechanics, clients rarely understand what they own and whether it is actually working. In addition, we perform ongoing policy maintenance and review for our clients and believe this is a critical, yet often overlooked element of a successful insurance program.

When integrated and maintained as part of a comprehensive plan, the leverage of life insurance can play an important role.


Perhaps the most overlooked and least emphasized aspect of an effective plan is the required ongoing maintenance. In our experience, families make a substantial initial investment to develop a plan but rarely dedicate the time and energy required to maintain it. Mosaic Advisors considers the design and implementation of a comprehensive plan as only half the battle. We recognize that making sure a plan operates in accordance with established guidelines is critical for long-term success. Plan maintenance ranges from educating future generations regarding the responsibilities associated with wealth to insuring proper execution of required procedures. We believe that a systematic approach to ongoing plan maintenance is a critical component for family success in transferring both financial value as well as family values.

A plan is a living breathing entity that must be rigid enough to stand up when tested, but flexible enough to evolve over time.

*Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement and the specific requests and needs of the client.  Mosaic does not serve as an attorney, accountant, or insurance agent. Mosaic does not prepare legal documents or tax returns, nor does it sell insurance products. If the client desires, one of Mosaic’s representatives, in their separate individual licensed capacities, can be engaged to be provide insurance sales/services as described on Mosaic’s  written disclosure Brochure, per the terms and conditions of a separate engagement and fee.