Mosaic FI LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Services Fees

        Total Assets Under Advisement           Annual Fee

        Up to 1,000,000                         1.00%

        $1,000,000 to $3,000,000                0.75%

        Above $3,000,000                        0.50%

Mosaicfi bills based on the balance on the first day of the billing period. The fee
schedule is a blended tier schedule. Financial planning services are included in the
portfolio management fees.

These fees are negotiable, and the final fee schedule is attached as Exhibit II of the
Investment Advisory Contract. Unless a client has received Mosaicfi’s disclosure
brochure (this Form ADV Part 2A) at least 48 hours prior to signing the Investment
Advisory Contract, the client may terminate the advisory relationship within five
business days of signing the contract without penalty, for full refund of Mosaicfi’s
fees. Thereafter, clients may terminate the Investment Advisory Contract with one
day’s written notice.

Pension Consulting Services Fees

For SIMPLE IRA plans, Mosaicfi charges a minimum of $50 per quarter per
participant fee, and a maximum $125 per quarter per participant fee. For SEP IRA
and Individual 401(k) plans, the Portfolio Management Service Fees apply.

Stand-Alone Financial Planning Fees

Fixed Fees

Fees to develop a comprehensive financial plan start at $4,200. The actual fee will
be determined based on the scope of work and will be documented in the financial
planning agreement presented to the client before work begins. Fixed financial
planning fees require a deposit equal to 50% of the fixed fee to start the
engagement and the remaining 50% balance will be billed upon completion of the
engagement.

Mosaicfi clients commonly fall into one of three financial planning fixed-fee levels
detailed below. All fixed-fee comprehensive financial planning engagements
include a written summary of observations, recommendations, and follow-up
items, unless otherwise noted, and a copy of relevant financial planning reports.

   Level 1 Financial Plan ($4,200 - $6,500)

           This level of financial plan represents a modest to moderate level of
   complexity. A financial plan at this level would likely include cash flow
   projections, basic education planning, retirement projections, investment
   review, simple tax planning strategies, review of basic insurance coverage,
   and review of asset ownership and beneficiary designations (when provided
   by the clients).

   Level 2 Financial Plan ($6,500 - $10,000)

           This level of financial plan represents a higher level of complexity
   and may include more complicated tax planning, numerous retirement and
   cash planning scenarios involving a wide range of assumptions, specialized
   estate planning analysis, complicated insurance and/or annuity needs and
   policies, and equity compensation plans

   Level 3 Financial Plan ($10,000+)

       This level of financial plan represents a high level of complexity typical of
those with significant assets and/or income who desire assistance with
sophisticated estate planning and legacy strategies, executive level benefits, small
business consulting, complicated charitable giving wishes, complex investments

and insurance policies, and/or ongoing coordination with other advisors to
include CPAs, estate planning attorneys, insurance advisors, and wealth
managers.

Ongoing Financial Planning Fees

After the initial financial plan is prepared and presented, clients may retain
Mosaicfi for ongoing stand-alone financial planning services to assist with
implementation, monitoring, and updating the financial plan. Ongoing financial
planning services will be provided under a separate financial planning agreement
covering a 12-month period. The fee for this service will be 50 – 100% of the initial
planning fee and will be set based on the areas to be covered and the complexity
of the financial plan. Fees will be collected on a quarterly basis on the first day of
the quarter.

Hourly Fees

For certain projects at Mosaicfi’s discretion, Mosaicfi will bill at an hourly rate
based on actual time spent. The current hourly rate for financial planning services
is $400 per hour and the specific rate charged will be disclosed in the financial
planning agreement in advance of providing any services. This hourly rate will be
evaluated annually and will likely increase from year to year. Mosaicfi will record
the actual time spent each day on our services and may bill for reasonable out-of-
pocket expenses incurred during the engagement. Invoices will typically be issued
monthly or at the project's end.

B. Payment of Fees

Payment of Portfolio Management Fees

Portfolio management fees are withdrawn directly from the client’s accounts with
the client’s written authorization. Fees are paid quarterly.

Payment of Pension Consulting Services Fees

Pension Consulting fees are withdrawn directly from the client’s accounts with the
client’s written authorization. Fees are paid quarterly.

Payment of Financial Planning Fees

Financial planning fees are due upon receipt of invoice.

At no time will Mosaicfi require payment of more than $1,200 in fees more than
six months in advance of the financial planning engagement.

       C. Client Responsibility for Third Party Fees

       Clients are responsible for the payment of all third-party fees (i.e., custodian fees,
       brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate
       and distinct from the fees and expenses charged by Mosaicfi. Please see Item 12 of
       this brochure regarding broker/custodian.

       D. Prepayment of Fees

       Mosaicfi collects fees in advance. Refunds for fees paid in advance will be returned
       within fourteen days to the client via check or return deposit back into the client’s
       account.
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Item 7: Types of Clients

Mosaicfi generally provides advisory services to the following types of clients:

           ❖ Individuals, families, trusts and estates

          ❖ High-net-worth individuals
          ❖ Corporations or other business entities
          ❖ Pension and profit-sharing plans

Minimum Account Size

For Portfolio Management clients the minimum account balance is $500,000. Management has
the right to make an exception on a case-by-case basis.

For clients engaging Mosaicfi for stand-alone financial planning services, there is no minimum
account/portfolio size and no minimum net worth or income requirement.