Mosaic Fi provides financial planning, portfolio management for individuals and small businesses, and pension consulting. Financial planning was provided to 51–100 clients last fiscal year.
Mosaic Fi reports 253 clients. They include 158 high-net-worth individuals and 95 individual clients. Of its assets, 100.0% ($113M across 253 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 38% | 12% |
| High-net-worth individuals | 62% | 88% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 95 | $14.1M | 12.5% | $148K |
| High-net-worth individuals | 158 | $98.7M | 87.5% | $625K |
| Total | 253 | $113M | 100% | $446K |
- Clients
- 95
- Regulatory AUM
- $14.1M
- AUM share
- 12.5%
- Avg. per client
- $148K
- Clients
- 158
- Regulatory AUM
- $98.7M
- AUM share
- 87.5%
- Avg. per client
- $625K
Total
- Clients
- 253
- Regulatory AUM
- $113M
- AUM share
- 100%
- Avg. per client
- $446K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Mosaic Fi charges 0.50%–1.00% a year for its Portfolio Management Services. Each asset band is charged at its own rate. The fee is negotiable. The brochure also prices 4 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.00% |
| $1M–$3M | 0.75% |
| $3M and above | 0.50% |
Fee details and sources
Other fees
- Fixed-fee financial planning
- Comprehensive financial plans are fixed fees from $4,200 (Level 1) to $10,000 or more (Level 3), with a 50% deposit to start.
- Hourly financial planning
- Some projects are billed hourly at $400 an hour, with the rate set in the planning agreement before work begins.
- Ongoing financial planning
- Ongoing stand-alone planning under a 12-month agreement is 50 to 100% of the initial planning fee, collected quarterly.
- SIMPLE IRA pension consulting
- Pension consulting for SIMPLE IRA plans is a minimum of $50 and a maximum of $125 per quarter per participant.
Jenifer Aronson owns 50% to 75% of Mosaic Fi. The leadership team of Mosaic Fi includes Chief Compliance Officer Tamra Wener. It has 5 employees, 2 of them in advisory roles.
Leadership
- Tamra WenerPartner/Chief Compliance Officer
- Jenifer AronsonManaging Partner
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 5 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 50% to 75% of Mosaic Fi LLC
Jenifer Aronson
Control person · since November 2013
- Owns 25% to 50% of Mosaic Fi LLC
Tamra Wener
Control person · since July 2024
Besides its headquarters, Mosaic Fi has 1 office (1 private residence, listed without an address), with 1 listed address in Illinois.
Illinois · 1 listed address
- 475 Half Day RD, Suite 100, LincolnshireHQ
Contact and registration details
- Legal name
- Mosaic Fi LLC
- Headquarters
- 475 Half Day RD, Suite 100, Lincolnshire, IL 60069
- Website
- mosaicfi.com
- Phone
- 847-371-5203
- @mosaic-fi
- SEC file
- 801-135876
- Structure
- Illinois LLC
- Fiscal year end
- December
Mosaic Fi uses Charles Schwab ($113M) as custodian for its separately managed accounts. Mosaic Fi does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $113M100%
At year end, Mosaic Fi’s separately managed accounts were mostly in funds (83%) and stocks (10%).
What the accounts hold
- Stocks10%
- Funds83%
- Registered funds82%
- Pooled vehicles1%
- Bonds3%
- U.S. government and agency bonds1%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash4%
How many clients does Mosaic Fi have?
Mosaic Fi has 253 clients and manages $113 million for them, as of September 2026. They include 158 high-net-worth individuals and 95 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 23 September 2026
What services does Mosaic Fi offer?
Mosaic Fi provides financial planning, portfolio management for individuals and small businesses, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Mosaic Fi charge?
Mosaic Fi charges 0.50%–1.00% a year for its Portfolio Management Services. Each asset band is charged at its own rate. The fee is negotiable.
Which custodians does Mosaic Fi use?
Mosaic Fi’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $113M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 September 2026
How many financial advisors does Mosaic Fi have?
Mosaic Fi has 2 investment adviser representatives registered with state securities authorities, out of 5 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Mosaic Fi invest in?
At the end of its last fiscal year, Mosaic Fi’s separately managed accounts held 82% registered funds (mutual funds, ETFs, BDCs), 10% exchange-traded equities, 4% cash and equivalents, 1% U.S. government and agency bonds, 1% state and local bonds, 1% investment grade corporate bonds and 1% pooled vehicles (private funds and similar).
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Mosaic Fi?
Mosaic Fi’s direct owners are Jenifer Aronson (50% to 75%) and Tamra Wener (25% to 50%).
Source: Form ADV Part 1A, Schedules A and B, filed 23 September 2026
How does Mosaic Fi get paid?
Mosaic Fi is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Mosaic Fi registered with the SEC?
Yes, Mosaic Fi has been registered with the SEC as an investment adviser since 20 April 2026. Its CRD number is 169670 and its SEC file number is 801-135876.
Source: Form ADV Part 1A, Item 1, filed 23 September 2026; IAPD firm record
How do I contact Mosaic Fi?
Mosaic Fi’s main office is at 475 Half Day RD, Suite 100, Lincolnshire, IL 60069. Its phone number is 847-371-5203. Its website is mosaicfi.com.