Mosaic Capital Corporation

Mosaic charges a pre-negotiated flat retainer for each engagement. The firm states this structure removes commissions, referral fees, and asset-based charges from the advisory relationship. Retainer levels are set based on the scale, scope, and complexity of the family's situation.

Mosaic focuses on illiquid holdings: privately held operating companies, commercial real estate, and oil and gas interests. The firm says that many advisors avoid these assets because advising on them is difficult and time-consuming, while Mosaic considers them central to a family's economic engine.

Mosaic does not present itself as a fund manager. Its website describes advisory and coordination services for multi-generational families, not pooled investment vehicles. The firm earns revenue solely from client retainers, not from management or performance fees on invested capital.

Mosaic accepts new engagements almost entirely through referrals from existing client families or their trusted advisors. The firm deliberately limits the number of new engagements it accepts each year to maintain service quality.

Mosaic does not publicly name individual investment-committee members. The firm describes a team of partners, planners, and investment professionals, all salaried, with a bonus structure tied to firm-wide profitability rather than individual performance.