Mosaic primarily operates on a flat fee retainer model, reflecting the scale, scope, and complexity of each client family's circumstances. Retainers are set at their discretion and may vary, even among families with similar makeups, objectives, and priorities. For the first 1–4 quarters of a new engagement, the flat retainer may be higher to reflect the increased scope and complexity of the initial work. As the engagement progresses, retainers may be reduced to align with the ongoing level of involvement. For example, initial retainers typically begin at $62,500 per quarter and may then adjust to $50,000 per quarter, with an annual Cost-of-Living Adjustment (COLA) ranging from 3.0% to 10.0%. A handful of client families opt for a fee structure based on a percentage of the household portfolio's value. The tiered AUM fees range from 0.20% to 1.00%, generally decreasing as the value of the household portfolio increases.