Our Financial Planning Services
The Mosaic Wealth Solutions team emulates an artist’s technique of creating a mosaic when matching you with our service offerings. After gaining insight into your wants and needs, we select stand-alone services which complement each other when arranged carefully and correctly. This thoughtful approach helps us artfully shape your financial plan and enables you to thrive in multiple areas of your life.
Investment Management and Asset Allocation
A cornerstone of our practice, investment management and asset allocation centers on the thorough composition of diversified portfolios. Using your timeline and capacity for risk, our team strives to properly position you within the marketplace, employing a number of different assets – mutual funds, ETFs, REITs, stocks, and more – to accumulate and protect your capital and respond to inevitable fluctuation.
Retirement Planning and Projections*
The years leading up to the end of your career should be filled with excitement and great expectations. However, too many people are weighed down by questions regarding how best to fund these future years of their life. We seek to take the guesswork out of retirement through easy-to-understand projections which pinpoint where you are in relation to your goals. Your retirement plan will require fine-tuning, so we’ll establish income streams aimed at maximizing social security and minimizing taxes.
Estate Planning**
Leaving a legacy is much more than designating an inheritance. When thoughtfully created, an estate plan is a powerful expression of love and a wonderful way to honor the people and causes you care about most. Our team intends to help you carry out your wishes via an assessment of your documents, tax liabilities, asset titling, beneficiaries, power of attorney, and healthcare and guardianship directives.
Risk Management and Insurance
Life’s twists and turns occasionally present unforeseen obstacles on your path. Unfortunately, these unexpected events can have devastating financial consequences, sometimes setting you back decades of savings. Our goal is to safeguard your future and reassure your fears by evaluating your current coverage and subsequently pairing you with appropriate life, disability, long-term care, and medical insurance.
Higher Education Funding
With the costs of academia ever-rising, more and more parents are looking to get a head start on saving for their children’s college expenses. Employing sophisticated funding projections and tools such as 529 plans, UTMAs, and custodial accounts, we pursue available methods to boost your tuition savings so that financing higher education doesn’t negatively affect your nest egg.
*There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation does not protect against market risk.
** Mosaic Wealth Solutions and LPL Financial do not provide legal advice or services. Please consult your legal advisor regarding your specific situation.
Personal Decision Consulting
Every day, our clients are faced with a variety of personal decisions that impact their financial situation. Certainly, this can be overwhelming at times. Often, they want someone with whom they can consult, a sounding board to help evaluate the alternatives. Our 34 years in the financial services industry (real estate, banking, and financial planning) gives us a well-rounded foundation to draw from, and allows us to provide perspective to our clients’ decision-making process.