We will help you accumulate, grow, protect, enjoy, and transfer your wealth. We help you gain clarity about what you want and how to get it. We work with you to set goals, develop strategies to achieve them and implement the strategies, monitoring your progress and making adjustments when necessary. In essence, we are your partner and coach, advising you so that you can achieve your financial and life goals.
Read more about Why Mosaic is right for you.
Our clients typically enjoy attractive household incomes and have investment portfolios of $1.5 million or more. Under some circumstances, we work with clients who are not quite there yet but who are on the path to reach this level in the near future.
What should I expect in the financial planning process? What kind of experience will it be?
The process begins with a “get acquainted” meeting. We'll review information you provide about your financial circumstances (such as taxes, insurance, investments, estate planning and employee benefits) and talk about your concerns and what you are looking for from an advisor.
We will then work together to establish and prioritize objectives and concerns for our project together. We'll meet with you several times over the next few months to analyze and discuss each topic. We'll review the problems and opportunities facing you, examine your alternatives and recommend strategies and action steps. We will also help you implement the recommendations. You’ll need to take responsibility for getting us the information we request and for doing a number of the tasks; we know you are busy, so we’ll do what we can, but we can’t do it all without you.
Once your initial plan is complete, in subsequent years we will meet with you regularly to review and update your plan, assess progress, and consider further actions that may be appropriate for you.
You can learn more about the step-by-step process on the Financial Planning page.
No. We work exclusively for fees that you pay us directly. It’s the only way we receive any compensation. There are never any third-party agendas at work. We take no referral fees, no commissions, and have no participation in any investments or other products. This approach allows us to focus solely on you and provide unbiased advice.
What is your approach to investment management?
Our goal is to manage your assets in ways that work best for you. That said, we do believe there is a best way to manage money and we make every effort to ensure that you understand our point of view. Please click here for our approach to investments.
Your portfolio is designed with the intent of achieving its targeted return, based on what you need to achieve your goals, with as little risk as possible. Your portfolio will have its own Investment Policy Statement that details how your portfolio will be managed and establishes key goals, policies and procedures. It also gives you a chance to tell us about any constraints you feel are important or to provide us with any specific directions you may have.
In your personalized portfolio design, we may use:
Although we provide individualized asset management, we believe that some consistency in approach is important. In almost all cases, we:
What is an Investment Policy Statement (IPS)?
It’s a document that serves as an overall roadmap for what we will do as we manage your money. It outlines important issues such as goals, policies and procedures as agreed to by both advisor and client for the purpose of managing your investments.
It helps you to better understand what to expect in the advisory relationship, and clarifies your expectations and goals. It also gives you the chance to express and record your own directions as to things you want or don’t want done with your money.
In 2004, Founder and President Norm Boone quite literally wrote the book on IPS, with co-author (and wife) Linda Lubitz Boone, titled Creating an Investment Policy Statement: Guidelines and Templates. In 2006, Norm and Linda created web-based Investment Policy Statement software that has become the industry standard.
This depends on the questions you want us to address and how you want us to help you. You can't give us too much information. We particularly want to know about your personal goals, values, concerns, and past experiences. In most cases, we’ll want to see tax returns, wills and estate plans, business agreements, insurance documents, investment and bank statements, employee benefit statements, pay stubs and other documents you think might be relevant.
Our first meeting is to get acquainted with you and your goals and to see if we can help you with them. We ask you to complete a short “getting to know you” questionnaire that gives us an overview of your financial picture and a preliminary idea of how you’d like us to be of service. Other than that, for this first meeting, you don’t need you to bring anything.
Is there a cost for the first meeting?
No - The first meeting is a “get acquainted” session and it comes at no charge. You have an opportunity to evaluate us and we have a chance to determine whether or not we can be of service to you. If, however, the purpose of the meeting is to render advice on a specific issue, we charge for our time at our normal hourly rate.
We serve approximately 250 investment management clients, most of whom use our financial planning services. We also work with a number of clients on a planning-only basis. Clients include individuals, couples, trusts, non-profits, and business retirement plans.
Our average client account exceeds $2 million. For new clients, our minimum investment portfolio is typically $1.5 million (which, for a couple, might include multiple IRAs, a joint account and / or trust accounts).
While we work with people of all ages and descriptions, most of our clients are in the "accumulation" stage of life — generally 35-65 years old. We work with single people and married couples (we expect to meet with both spouses). Most of our clients are corporate executives, professionals or owners of their own businesses. Approximately one quarter are retired. For the most part, our clients are successful people who either don’t have enough time to devote to their financial lives or who recognize the benefit of professional guidance in this area.What are your education, training and background credentials?
Mosaic professional advisory staff stands on nearly 200 years of cumulative financial services experience. Each member of our advisory staff is a Certified Financial Planner™ professional. Since credentials vary by team member, we invite you to review individual resumes.
We do not establish a lead advisor until we get to know you and have a feel for your personality and financial needs. Since we work as a team, you can be sure that whenever you need to talk, you’ll have access to someone well-qualified and experienced, who is familiar with you and your situation.
What other services do you provide?
Financial planning and investment management are our two primary services. Planning may include advice about stock options, 401(k) investment options, and employee benefit decisions. In addition, we refer clients to other professionals who can help with tax preparation, wills and estate planning, banking, mortgage financing and insurance.
In our work with business owners, we may help with strategy development, executive compensation design, employee benefit programs, and financing needs.