{"url":"https://nivawealth.com/firms/mosaic-fi-169670","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/169670","regulatoryAum":112808698,"crd":"169670","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6277446","suffix":null,"lastName":"ARONSON","firstName":"JENIFER","middleName":"ANN"},{"crd":"2286725","suffix":null,"lastName":"WENER","firstName":"TAMRA","middleName":"RAE"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"secFileNumber":"801-135876","legalName":"Mosaic Fi LLC","displayName":"Mosaic Fi","slug":"mosaic-fi-169670","website":"https://mosaicfi.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/mosaic-fi","founded":null,"organization":"Illinois limited liability company","fiscalYearEnd":"December","headquarters":{"street":"475 Half Day RD, Suite 100","city":"Lincolnshire","state":"IL","stateName":"Illinois","country":"United States","postalCode":"60069"},"tradeNames":[],"registration":{"secApproved":"20 April 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":445884.1818181818,"staff":{"employees":5,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":112808698,"discretionary":112808698,"discretionaryAccounts":253,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":95,"regulatoryAum":14093399},{"label":"High-net-worth individuals","clients":158,"regulatoryAum":98715299}],"feePrograms":[{"role":"main","program":"Portfolio Management Services","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":3000000,"pct":0.75,"from":1000000},{"to":null,"pct":0.5,"from":3000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058810","versionId":1058810,"ratePeriod":"annual","fee_billing":null,"submittedOn":"2026-09-23","documentName":"ADV PART 2A MOSAIC","fee_rate_low":0.5,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Fixed-fee financial planning","summary":"Comprehensive financial plans are fixed fees from $4,200 (Level 1) to $10,000 or more (Level 3), with a 50% deposit to start.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058810","versionId":1058810,"submittedOn":"2026-09-23","documentName":"ADV PART 2A MOSAIC"},{"role":"other","program":"Hourly financial planning","summary":"Some projects are billed hourly at $400 an hour, with the rate set in the planning agreement before work begins.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058810","versionId":1058810,"submittedOn":"2026-09-23","documentName":"ADV PART 2A MOSAIC"},{"role":"other","program":"Ongoing financial planning","summary":"Ongoing stand-alone planning under a 12-month agreement is 50 to 100% of the initial planning fee, collected quarterly.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058810","versionId":1058810,"submittedOn":"2026-09-23","documentName":"ADV PART 2A MOSAIC"},{"role":"other","program":"SIMPLE IRA pension consulting","summary":"Pension consulting for SIMPLE IRA plans is a minimum of $50 and a maximum of $125 per quarter per participant.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058810","versionId":1058810,"submittedOn":"2026-09-23","documentName":"ADV PART 2A MOSAIC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:50:40.917728+00:00","documents":[{"name":"ADV PART 2A MOSAIC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058810","versionId":1058810,"submittedOn":"2026-09-23"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":112808698}],"custodyNote":"Mosaic Fi does not have custody of client assets.","leadership":[{"name":"Tamra Wener","title":"Partner/Chief Compliance Officer","crd":"2286725"},{"name":"Jenifer Aronson","title":"Managing Partner","crd":"6277446"}],"ownership":[{"label":"Jenifer Aronson","detail":"Managing partner in the 50% to 75% ownership band and a control person, since November 2013."},{"label":"Tamra Wener","detail":"Partner/chief compliance officer in the 25% to 50% ownership band and a control person, since July 2024."}],"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Illinois","offices":1,"addresses":[{"street":"475 Half Day RD, Suite 100","city":"Lincolnshire","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"847-371-5203","stateRegisteredReps":2,"otherAdviserReps":1,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":10},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":82},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":4}],"privateFunds":0},"sources":{"adv1FilingDate":"23 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/169670/PDF/169670.pdf","brochureDate":"23 September 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1058810","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Mosaic Fi have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Mosaic Fi offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Mosaic Fi charge?","answer":"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.","source":"ADV PART 2A MOSAIC, filed 23 September 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Mosaic Fi use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Mosaic Fi have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Mosaic Fi invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Mosaic Fi?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Mosaic Fi get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Mosaic Fi registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Mosaic Fi?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 23 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}