Mosaic Wealth Consultants

Mosaic integrates institutionally priced life insurance products — typically private placement variable universal life (PPVUL) and premium-financed structures — into a broader alternative investment allocation. The insurance architecture serves as a tax wrapper, allowing private equity, private credit, and hedge fund exposures to accumulate on a tax-deferred basis and pass to heirs outside the taxable estate. The firm designs these concentric structures so that the insurance product and the underlying investments are optimized jointly rather than purchased separately from different providers.

Mosaic is organized as a multi-family office, serving several high-net-worth families concurrently. Its service model pools certain operational and sourcing functions — deal evaluation, insurance procurement, tax coordination — while keeping each family's investment vehicle and governance structure legally distinct. This shared-resource approach is typical of boutique multi-family offices that aim to deliver institutional pricing without the overhead of a dedicated single-family office for any one client.

Private credit functions as the yield-floor component in Mosaic's legacy-oriented portfolios. The firm sources directly originated loans, mezzanine positions, and structured credit alongside specialist managers. These allocations are often placed inside insurance wrappers to capture the spread between the credit yield and the insurance cost of capital, a structure that becomes more efficient at scale and across longer holding periods — precisely the horizon that legacy-minded families target.

Mosaic operates in a discretionary advisory capacity for many of its family relationships, constructing and rebalancing portfolios across liquid and illiquid sleeves within agreed-upon investment policy statements. The insurance side of the practice functions more as a broker and designer, where Mosaic sources and structures the products but ultimate policy ownership rests with the family or its irrevocable trust. This dual fiduciary and commissionable posture requires clear disclosure and is common among integrated wealth firms.

Direct real estate is treated as a cornerstone inflation hedge and basis-step-up vehicle. Mosaic sources multifamily, industrial, and net-leased assets that generate predictable cash flow suitable for servicing premium-financed life insurance obligations. The real estate is often titled within intentionally defective grantor trusts (IDGTs) or held through family limited partnerships, freezing the estate tax value at acquisition while directing future appreciation to heirs. This is standard advanced-estate-planning technique applied to institutional-quality property.