Overview Located in Houston, TX and founded in 2012, Mosaic specializes in comprehensive planning for Texas based entrepreneurial families. Ownership Mosaic Advisors, LLC is owned by Mosaic Wealth Partners, LLC. Mosaic Wealth Partners is owned by Brandon Henry and Carey Kesner. Services Offered Mosaic offers the below services:  Due Diligence; and  Strategic Advisory; and  Investment Advisory Each service involves different custodial and administrative services and fee arrangements. Due Diligence Services (“DD”): Mosaic’s process begins with Due Diligence and then, if appropriate, transitions to a Strategic Advisory relationship. As opposed to the days of a folded map in your glove compartment, the advent of GPS brought modern technology that can easily guide you anywhere on the planet. Only two seemingly simple inputs are required to make it work - “Where am I now” AND “Where do I want to go”. However, without both pieces of critical information, this transformative technology is rendered completely useless. The same holds true for successful families and their Advisory Team as they try to navigate the intersection of legal, tax, business, finance, investments, and philanthropy, all the while trying to align those disciplines with ever changing family dynamics. While many families can articulate where they would like their goals and ambition to take them, virtually none are aware of exactly where they currently stand. In our experience, few know what they have in place and how it affects their family and business both today, and years into the future. Without that critical starting point, it is difficult for anyone to define the steps necessary to correct course and achieve goals. These families are left making less than informed decisions that affect everything they own and everyone they love. Each family and their business have a distinctively different fact set that often requires more than boilerplate solutions. What works for one family is not guaranteed to work for another, even if circumstances appear similar on the surface. After years of working with successful business owners, their management teams, and their family offices, we have reached one universal conclusion with regards to developing a successful roadmap. Before you can realistically define your goals, you need to truly understand: “Where am I now?”. We developed our Due Diligence process specifically to answer this one deceptively simple question. During a Due Diligence engagement, we work with our clients and their team to collect important tax, legal, and financial documents that touch their personal and business life. We then analyze and synthesize this mountain of data and distill it into actionable workbooks consisting of pictures, graphs, charts, and tables that illustrate our client’s current situation as well as what will transpire upon a “life-changing event”. We identify areas of potential deficiency in our clients’ existing plan / structure and they, in turn, can prioritize the items they feel are most important to address. The result is a comprehensive understanding of how individual aspects of their financial and business life interact and impacts the other. Armed with this information, families are equipped to focus on developing a roadmap that is designed to meet their long-term goals. Once Due Diligence is complete, you will know what you own, why you own it, where you own it, how much it costs, how it is taxed, how it is exposed, how efficient it is, and how it complements your other holdings. It is our responsibility to use our understanding of your ever-evolving financial situation and the opportunities that exist within your family’s entity structure and the tax code designed to optimize the allocation and physical location of your holdings. By designing a comprehensive strategy that integrates all holdings, we hope to maximize economies of scale, eliminate redundancies, reduce costs, risk, time, and taxes. We believe this is best accomplished if the professional team’s financial incentives are aligned with the families’ goals and priorities. Once this is accomplished, the requisite total balance sheet approach can blend traditional financial assets with illiquid holdings like real estate, business interests and private equity into a single, comprehensive picture. Please Note: The scope of any DD engagement depends upon the terms of the engagement, and the specific request and needs of the client. Strategic Advisory Services (“SAS”) Families interested in managing their personal success with the same rigor, focus, and discipline they demand for their operating companies, often choose to engage Mosaic for ongoing SAS relationship. They retain the role of “Family CEO” while outsourcing other critical functions such as Family Operations, Family Finances, Family Investments, Family Education, Family Governance, and Family Organization. The families we serve expect Mosaic to significantly alleviate the personal burden associated with being successful. They empower us to collaborate with their professional advisory team (often consisting of Management Team, Administrative Support, Family Office, Portfolio Managers, Insurance Agents, Attorneys, CPAs, Bankers, etc) while holding us responsible to create an environment of effective communication and proactive collaboration. They expect us to make complicated information easy for them to understand and critical tasks simple to delegate. Finally, they want us to help them better anticipate problems before they arise and reduce the impact of issues that cannot be avoided. The hierarchy is simple. Mosaic holds the professional team responsible for successfully completing projects on time and on budget, and in turn, the client holds Mosaic accountable to Design, Implement, Maintain, and Monitor their plan. In short, we oversee the ever-changing nexus of tax, legal, business, finance, risk, and family dynamics, on behalf of the clients we serve. Please Note: The scope of any SAS engagement depends upon the terms of the engagement, and the specific request and needs of the client. Investment Advisory Services (“IA”) Mosaic provides investment advisory and consulting services on a discretionary or non-discretionary basis to individuals, trusts, estates, closely held business entities, and charitable organizations. Investment advice and portfolio management services are provided on a continuous basis including the appropriate allocation of managed assets among cash, stocks, bonds, and private investments. The selection of specific investments will provide proper diversification designed to help to meet the client’s stated investment objectives, although you may impose restrictions on Mosaic with respect to investing in certain securities or types and classes of securities. These portfolio management services are provided to the following:  Individuals and families  Estates and trusts  Endowments and foundations  Closely held business entities Please Note: Mosaic believes that it is important for the client to address financial planning issues on an ongoing basis. Mosaic’s advisory fee, as set forth at Item 5 below, will remain the same regardless of whether the client determines to address financial planning issues with Mosaic. Education All personnel of Mosaic are expected to have education and business backgrounds that enable them to perform their respective responsibilities effectively. In assigning responsibilities, we consider academic background (including studies in college and graduate schools, as well as degrees earned), industry training, licenses, and certifications. Work experience in a related field, such as investments, commodities, insurance, financial planning, banking, or accounting, is also considered. No formal, specific standards have been set, but appropriate education and experience are required. See ADV Form Part 2B for additional information. Miscellaneous Limitations of Financial Planning & Non-Investment Consulting / Implementation Services: To the extent requested by the client, Mosaic will provide planning, and related non-investment consulting services such as income tax and estate tax planning, asset protection, family governance, etc. on a fixed fee basis. Mosaic does not serve as an attorney or accountant, and no portion of our services should be construed as legal or accounting services. Accordingly, Mosaic does not draft legal documents or prepare tax returns. To the extent requested by a client, we may recommend the services of other professionals for non- investment implementation purpose (i.e. attorneys, accountants, and insurance agents), including Mosaic’s affiliated licensed insurance agency, Mosaic Insurance Agency, LLC (“Mosaic Insurance”) - see additional disclosure at Item 10 below. The client is under no obligation to engage the services of any recommended professional. The client retains absolute discretion over all implementation decisions and is free to accept or reject any recommendation from Mosaic or its representatives. If the client engages any recommended unaffiliated professional, and a dispute arises thereafter relative to the engagement, the client agrees to seek recourse exclusively from and against the engaged professional. At all times, the engaged licensed professional[s] (i.e. attorney, accountant, insurance agent, etc.), and not Mosaic, shall be responsible for the quality and competency of the services provided. The recommendation by a Mosaic representative that a client purchase an insurance product from Mosaic Insurance presents a conflict of interest, as the receipt of insurance commissions provides an incentive to recommend investment products based on commissions to be received, rather than on a particular client’s need. No client is under any obligation to purchase any insurance products from Mosaic Insurance. Clients can purchase insurance products recommended by Mosaic through other, non-affiliated insurance agencies. ANY QUESTIONS: Mosaic’s Chief Compliance Officer, Carey Kesner, remains available to address any questions that a client or prospective client may have regarding the above conflict of interest. Retirement Rollovers: A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If Mosaic recommends that a client roll over their retirement plan assets into an account to be managed by Mosaic, such a recommendation creates a conflict of interest if Mosaic will earn new (or increase its current) compensation because of the rollover. When acting in such capacity, Mosaic serves as a fiduciary under the Employee Retirement Income Security Act (ERISA), or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. No client is under any obligation to rollover retirement plan assets to an account managed by Mosaic. Mosaic’s Chief Compliance Officer, Carey Kesner, remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. Custodian Charges-Additional Fees: As discussed below at Item 12 below, when requested to recommend a broker-dealer/custodian for client accounts, Mosaic generally recommends that Charles Schwab and Co. (“Schwab”) serve as the broker-dealer/custodian for client investment management assets. Broker-dealers such as Schwab charge brokerage commissions, transaction, and/or other type fees for effecting certain types of securities transactions (i.e., including transaction fees for certain mutual funds, and mark-ups and mark- downs charged for fixed income transactions, etc.). The types of securities for which transaction fees, commissions, and/or other type fees (as well as the amount of those fees) shall differ depending upon the broker-dealer/custodian (while certain custodians, including Schwab, do not currently charge fees on individual equity or ETF transactions, others do). Please Note: there can be no assurance that Schwab will not change its transaction fee pricing in the future. Please Also Note: Schwab may also assess fees to clients who elect to receive trade confirmations and account statements by regular mail rather than electronically. These fees/charges are in addition to Mosaic’s investment advisory fee at Item 5 below. Mosaic does not receive any portion of these fees/charges. However, Schwab (as do its primary competitors that provide similar pricing arrangements) require that cash proceeds are automatically swept into Schwab proprietary or affiliated money market mutual funds or cash sweeps accounts. Typically, these proprietary/affiliated Schwab funds/accounts do not provide the highest return available. Use of Mutual & Exchange Traded Funds: Most mutual funds and exchange traded funds are available directly to the public. Thus, a prospective client can obtain many of the funds that may be used by Mosaic independent of engaging Mosaic as an investment adviser. However, if a prospective client determines to do so, they will not receive Mosaic’s initial and ongoing investment advisory services. In addition to Mosaic’s investment advisory fee described below, and transaction and/or custodial fees discussed above, clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g. management fees and other fund expenses). Mosaic utilizes the mutual funds and exchange traded funds issued by Dimensional Fund Advisors (“DFA”). DFA funds are generally only available through registered investment advisers approved by DFA. Thus, if the client was to terminate Mosaic’s services, and transition to another adviser who has not been approved by DFA to utilize DFA funds, restrictions regarding additional purchases of, or reallocation among other DFA funds, will generally apply. Margin & Securities Based Loans: Upon client request, Mosaic may recommend that a client

establish a securities-based loan (“SBL”) through the client’s affiliated bank (an “SBL Lender”) to access cash flow. The terms and conditions of each SBL are contained in a separate agreement between the client and the SBL Lender selected by the client, which terms and conditions may vary from client to client. SBL risks include the potential obligation to post collateral or repay the SBL if the SBL Lender determines that the value of collateralized securities is no longer sufficient to support the value of the SBL; the risk that the SBL Lender may liquidate the client’s securities to satisfy its demand for additional collateral or repayment / the risk that the SBL Lender may terminate the SBL at any time. Before agreeing to participate in an SBL program, clients should carefully review the applicable SBL agreement, and all risk disclosures provided by the SBL Lender. If the Firm recommends that a client apply for an SBL instead of selling securities that the Firm manages for a fee to meet liquidity needs, the recommendation may present an ongoing conflict of interest because selling those securities (instead of leveraging those securities to access an SBL) would reduce the amount of assets to which the Firm’s investment advisory fee percentage is applied, and thereby reduce the amount of investment advisory fees collected by the Firm. Likewise, the same ongoing conflict of interest is present if a client determines to apply for an SBL on their own initiative. These ongoing conflicts of interest would persist as long as the Firm has an economic disincentive to recommend that the client terminate the use of SBLs. Clients are therefore reminded that they are not under any obligation to employ the use of SBLs, and are solely responsible for determining when to use, reduce, and terminate the use of SBLs. Although the Firm seeks to disclose all conflicts of interest related to its recommended use of SBLs and related business practices, there may be other conflicts of interest that are not identified above. Clients are therefore reminded to carefully review the applicable SBL agreement and all risk disclosures provided by the SBL Lender as applicable, and contact the Firm’s Chief Compliance Officer, Carey Kesner, with any questions regarding the use of SBLs. Cash Sweep Accounts.. Account custodians generally require that cash proceeds from account transactions or cash deposits be swept into and/or initially maintained in the custodian’s sweep account. The yield on the sweep account is generally lower than those available in money market accounts. To help mitigate this issue, Mosaic shall generally purchase a higher yielding money market fund available on the custodian’s platform with cash proceeds or deposits, unless Mosaic reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to, the amount of dispersion between the sweep account and a money market fund, the size of the cash balance, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account. Please Note: The above does not apply to the cash component maintained within Mosaic’s actively managed investment strategy (the cash balances for which shall generally remain in the custodian designated cash sweep account), an indication from the client of a need for access to such cash, assets allocated to an unaffiliated investment manager, and cash balances maintained for fee billing purposes. Please Also Note: The client shall remain exclusively responsible for yield dispersion/cash balance decisions and corresponding transactions for cash balances maintained in any of Mosaic’s unmanaged accounts. Please Note: Cash Positions. Mosaic treats cash as an asset class. As such, unless determined to the contrary by Mosaic, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating Mosaic’s advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), Mosaic may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, Mosaic’s advisory fee could exceed the interest paid by the client’s money market fund. ANY QUESTIONS: Mosaic’s Chief Compliance Officer, Carey Kesner, remains available to address any questions that a client or prospective may have regarding the above fee billing practice. Cybersecurity Risk: The information technology systems and networks that Mosaic and its third-party service providers use to provide services to Mosaic’s clients employ various controls, which are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in Mosaic’s operations and result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and Mosaic are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur losses, including for example: financial losses, cost and, reputational damage to respond to regulatory obligations, other costs associated with corrective measures, and loss from damage or interruption to systems. Although Mosaic has established its processes to reduce the risk of cybersecurity incidents, there is no guarantee that these efforts will always be successful, especially considering that Mosaic does not directly control the cybersecurity measures and policies employed by third- party service providers. Clients could incur similar adverse consequences resulting from cybersecurity incidents that more directly affect issuers of securities in which those clients invest, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchange and other financial market operators, or other financial institutions. Client Retirement Plan Assets: If requested to do so, Mosaic can provide investment advisory services relative to 401(k) plan assets maintained by the client in conjunction with the retirement plan established by the client’s employer. In such event, Mosaic shall allocate (or recommend that the client allocate) the retirement account assets among the investment options available on the 401(k) platform. Mosaic’s ability shall be limited to the allocation of the assets among the investment alternatives available through the plan. Mosaic will not receive any communications from the plan sponsor or custodian, and it shall remain the client’s exclusive obligation to notify Mosaic of any changes in investment alternatives, restrictions, etc. pertaining to the retirement account. Portfolio Activity or Inactivity: Mosaic has a fiduciary duty to provide services consistent with the client’s best interest. Mosaic will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, which may include but is not limited to investment performance, fund manager tenure, style drift, account additions/withdrawals, market conditions and changes in the client’s investment objective. There may be periods of time, which may be substantial, when Mosaic determines that changes to a client’s portfolio are not necessary. Notwithstanding, we will continue to charge fees, as specified in Item 5 below, on the value of the client’s account during periods of account inactivity. Of course, as indicated below, there can be no assurance that investment decisions made by Mosaic will be profitable or equal any specific performance level(s). Non-Discretionary Service Limitations: Clients that determine to engage Mosaic on a non-discretionary investment advisory basis must be willing to accept that Mosaic cannot affect any account transactions without obtaining prior consent to any such transaction(s) from the client. Thus, if Mosaic would like to make a transaction for a client’s account, and client is unavailable, Mosaic will be unable to affect the account transaction (as it would for its discretionary clients) without first obtaining the client’s consent. Aggregate Reporting: Mosaic may also provide periodic comprehensive reporting services that can incorporate all the client’s investment assets, including those investment assets that are not part of the assets managed by Mosaic (the “Excluded Assets”). The client and/or his/her/its other advisors that maintain trading authority, and not Mosaic, shall be exclusively responsible for the investment performance of the Excluded Assets. Unless otherwise specifically agreed to, in writing, Mosaic’s service relative to the Excluded Assets is limited to reporting only. As such, Mosaic does not maintain any trading authority for the Excluded Assets. Rather, the client and/or the client’s designated other investment professional(s) maintain supervision, monitoring, and trading authority for the Excluded Assets. If Mosaic is asked to make a recommendation as to any Excluded Assets, the client is under absolutely no obligation to accept the recommendation, and Mosaic shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. In the event the client desires Mosaic provide investment management services for the Excluded Assets; the client may engage Mosaic to do so pursuant to the terms and conditions of the Investment Advisory Agreement between Mosaic and the client. Please Note: Socially Responsible Investing Limitations. Please Note: Socially Responsible (ESG) Investing Limitations. Socially Responsible Investing involves the incorporation of Environmental, Social, and / or Governance (“ESG”) considerations into the investment due diligence process. ESG investing incorporates a set of criteria / factors used in evaluating potential investments: Environmental (i.e., considers how a company safeguards the environment); Social (i.e., the way a company manages relationships with its employees, customers, and the communities in which it operates); and Governance (i.e., company management considerations). The number of companies that meet an acceptable ESG mandate can be limited when compared to those that do not and could underperform broad market indices. Investors must accept these limitations, including the potential for underperformance. Correspondingly, the number of ESG mutual funds and exchange-traded funds are limited when compared to those that do not maintain such a mandate. As with any type of investment (including any investment and/or investment strategies recommended and/or undertaken by Mosaic), there can be no assurance that investment in ESG securities or funds will be profitable or prove successful. Mosaic does not maintain or advocate an ESG investment strategy but will seek to employ ESG if directed by a client to do so. If implemented, Mosaic shall rely upon the assessments undertaken by the unaffiliated mutual fund, exchange traded fund or separate account portfolio manager to determine that the funds or portfolio’s underlying company securities meet a socially responsible mandate. Use of Independent Managers. Mosaic may allocate (and / or recommend that the client allocate) a portion of their investment assets among unaffiliated independent investment managers (“Independent Manager(s)”) including but not limited to Parametric, BlackRock, and Aperio in accordance with the client’s designated investment objective(s). In such situations, the Independent Manager shall have day-to-day responsibility for the active discretionary management of the allocated assets. Mosaic shall continue to render investment supervisory services to the client relative to the ongoing monitoring and review of account performance, asset allocation and client investment objectives. Factors which Mosaic shall consider in recommending Independent Manager[s] include the client’s designated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. Please Note: The investment management fee charged by the Independent Manager[s] is/are separate from, and in addition to, Mosaic’s advisory fee as set forth in the fee schedule at Item 5 below and which will be disclosed to the client before entering into the Independent Manager engagement and/or subject to the terms and conditions of a separate agreement between the client and the Independent Manager(s). Client Obligations: Mosaic will not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely on the information in its possession. Clients are responsible for promptly notifying Mosaic if there is ever any change in their financial situation or investment objectives so that Mosaic can review, and if necessary, revise its previous recommendations or services. Investment Risk: Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Mosaic) will be profitable or equal any specific performance levels. Disclosure Statement: A copy of Mosaic’s written Brochure as set forth on Part 2A, Part 2B and Form CRS of Form ADV shall be provided to each client prior to, or contemporaneously with, the execution of the applicable form of client Agreement. Mosaic shall provide investment advisory services specific to the needs of each client. Prior to providing investment advisory services, a Mosaic representative will ascertain each client’s investment objective(s). Thereafter, Mosaic shall allocate and/or recommend that the client allocate investment assets consistent with the designated investment objective(s). The client may, at any time, impose reasonable restrictions, in writing, on Mosaic’s services. Mosaic does not participate in a wrap fee program. Assets Under Management (“AUM”): On December 31st, 2023, Mosaic had $325,598,870 in AUM, $323,048,273 on a discretionary basis and $2,550,597 on a non-discretionary basis.