Mosaic Advisors

Mosaic Advisors serves entrepreneurial families and their related entities — including individuals, trusts, estates, family offices, closely held business entities, and charitable organizations — by providing ongoing advisory services. Its stated services include Continuous Planning, Wealth Administration, and Portfolio Management provided on both discretionary and non‑discretionary bases under a flat quarterly retainer rather than traditional percentage‑of‑AUM fees.

The firm emphasizes integrated, interdisciplinary coordination across tax, legal, business, investment, insurance, philanthropic, succession, and governance domains using its G.A.D.I.M.M. framework (Gather, Analyze, Design, Implement, Monitor, Maintain) to manage the family’s total balance sheet and illiquid holdings such as operating companies, private funds, and real estate. For liquid portfolios Mosaic frequently employs Separately Managed Accounts and model portfolios, provides consolidated reporting via Addepar, and may recommend securities‑based loans or margin arrangements to meet liquidity needs instead of liquidating holdings.

Distinctive aspects compared with many peers include the explicit combination of family governance and educational programming with institutional‑style portfolio oversight, and a stated willingness to advise and coordinate charitable vehicles (private foundations, donor‑advised funds). The brochure also discloses an affiliated insurance agency that services legacy life policies (trail commissions are reported as less than 1% of revenue) and documents services for individual retirement plan rollovers and 401(k) advisory work despite the firm’s primary focus on ultra‑high‑net‑worth entrepreneurial families (Mosaic indicates total net worth above ~$100 million is generally appropriate).