Mosaic FI LLC

Mosaic FI LLC provides discretionary portfolio management, holistic financial planning, and small‑business pension consulting to individuals, high‑net‑worth clients, trusts and business entities. Services include integrated financial planning with portfolio management as well as stand‑alone planning engagements and retirement plan setup for small employers (SIMPLE IRA, SEP IRA, Individual 401(k)).

The firm customizes Investment Policy Statements and uses a mix of fundamental, technical, cyclical and quantitative analysis together with modern portfolio theory to construct and monitor model portfolios, generally favoring long‑term strategies while permitting short‑term trading when appropriate. Mosaic FI documents risk tolerances and goals, provides ongoing monitoring and implementation assistance for portfolio clients, and delivers written financial plans for stand‑alone engagements.

Several operational features distinguish Mosaic FI from many peers: it recently transitioned to SEC registration and maintains a formal succession agreement with an outside wealth‑management firm to support continuity of service. The firm manages accounts on a discretionary basis with a stated portfolio management account minimum (while offering no minimum for stand‑alone planning), requires use of a specified custodian (participating in an institutional program through Charles Schwab), and uses AI tools internally to summarize client meeting notes while retaining human oversight and not using AI for investment decision‑making.