We are fiduciaries.

 

MOSAIC advises clients under a fiduciary standard of care, which means everything we do for them must be in their best interest. In every client engagement, we strive to maximize your investment return for your personal level of risk tolerance.

MOSAIC advocates a long-term buy-and-hold strategy to help clients meet their financial goals and objectives with comfortable risk tolerance. Excessive portfolio turnover generates unnecessary transactions costs and, in many cases, larger tax payments.

MOSAIC constructs client portfolios primarily using no-load mutual funds and exchange-traded funds. Since investors gain no performance advantage by investing in funds with built-in loads (sales commissions), buying no-load funds instead will increase their portfolio returns.