Tax Reduction Strategies

Maximize your financial gains while minimizing your tax burden.

Since the founding of our firm, we have adhered to three core principles that we believe help create a foundation for investing and tax reduction strategies.

Asset allocation* provides the foundation to manage portfolio risk and return
No single money management firm can be all things to all people
Our most important role is to be your objective advocate

*Asset allocation won’t guarantee a profit or ensure against a loss, but may help reduce risk and volatility in your portfolio.

We utilize a proprietary wealth management platform offering sophisticated modeling tools and implementation capabilities.

Driven by the power of advanced technology, we follow a 5-step process to help maximize your portfolio while minimizing risk:

1. Advice, consulting and planning

By asking pertinent questions and reviewing your current financial situation in detail, we will work with you to clearly define your goals and expectations.

2. Portfolio modeling analysis and design

We use sophisticated modeling tools to illustrate potential future implications or various hypothetical portfolio scenarios related to your situation and needs, then agree on a suitable allocation.

3. Investment policy statement (IPS) development

This comprehensive document codifies the conclusion from your modeling analysis and sets forth your customized plan of action.

4. Implementation, manager search and selection

The cornerstone of our investment philosophy is our belief in providing you with a broad network of premier institutional money management firms and mutual fund companies through an objective, due diligence process. We identify the top managers for each asset class and style through a screening process.

5. Periodic reviews, due diligence and reporting

Our disciplined approach is an ongoing, dynamic process. As your needs and the market evolve, your wealth advisor will readdress your investment options and provide a portfolio summary that illustrates your investment holdings, asset allocation, transactions and performance. Viewing your complete financial picture regularly is an integral part of our process.

Donald McDade, David Estatico, Scott Lauer, Daniel Stephans and Ronald Romeo are registered representatives of Lincoln Financial Advisors Corp. Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer (member SIPC) and registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. It is not our position to offer legal or tax advice. Mosaic Wealth Consulting is not an affiliate of Lincoln Financial Advisors Corp CRN-3170387-072120.

Unless otherwise identified, registered associates on this website are registered representatives of Lincoln Financial Advisors Corp. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer (member SIPC). Investment advisory services offered through Lincoln Financial Advisors Corp. or Sagemark Consulting, a division of Lincoln Financial Advisors Corp. a registered investment advisory. Insurance offered through Lincoln affiliates and other fine companies and state variations thereof. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Firm disclosure information available at www.LFG.com.

We are licensed to sell Insurance Products in the following states: Alabama, Arizona, Florida, Georgia, Kentucky, Maryland, Missouri, North Carolina, New York, Ohio, Pennsylvania, South Carolina, Texas, Virginia, West Virginia, Wyoming.

We are registered to sell Securities in the following states: Alabama, Arizona, California, Colorado, District of Columbia, Florida, Georgia, Hawaii, Illinois, Kentucky, Maryland, Michigan, North Carolina, New Jersey, New York, Ohio, Pennsylvania, South Carolina, Texas, Utah, Virginia, Washington, West Virginia, Wyoming.

*Mosaic Employee Benefits is a separate entity and is not affiliated with Lincoln Financial Advisors Corp.

Not all registered representatives with our firm are able to offer advisory services.

See Lincoln Financial Advisors (LFA’s) Form CRS Customer Relationship Summary, available here, for succinct information about the relationships and services LFA offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things. LFA’s Forms ADV, Part 2A, which describe LFA’s investment advisory services, Regulation Best Interest Disclosure Document, which describes LFA’s broker-dealer services, and other client disclosure documents can be found here.