Business Description
At Mosaic Consulting, we have been service our clients for more than two decades. We help make the financial world clear and understandable. Through our financial planning process, we work to best prepare you for important decisions that will help preserve, grow and transfer the assets you have worked a lifetime to accumulate. We employ a fully integrated financial planning framework that provides a complete view of your financial condition and planning issues. This approach leads to appropriate decisions since each component of your financial situation - your estate, investments, retirement and business, if applicable - is analyzed and evaluated. We then develop an objective, comprehensive financial plan specifically tailored to help meet your needs and requirements.
General Information Gender:    Male CRD#:    1498447 Firm CRD#:    3978 Name of Broker/Dealer:    Lincoln Financial Advisors Corp. States Licensed in:    FL, GA, KY, NJ, NY, OH, PA, VA, WA, WV Years of Experience in Financial Services:    23 Number of Years with Current Firm:    5 Work Experience:    Mr. McDade has worked in the financial services industry since 1986 with experience as a Million Dollar Round Table producer, as well as in Management. He is currently the Managing Advisor for Mosaic Consulting, an ensemble operation of Private Wealth Advisors and support staff with complimentary specializations allowing them to support a full spectrum of financial planning, estate planning and business owner planning needs for their growing clientele. Prior to his current positions, he operated Pittsburgh-based financial services and investment operations for Allmerica/VeraVest, Berkshire Life Insurance and The Equitable (AXA). I work with the following types of clients:    Non-Profit Organizations, Individual Investors, Businesses
Services Investment Types:    Bonds, Stocks, Annuities, Insurance, Mutual Funds, Options & Futures, Alternative Investments, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Chartered Retirement Planning Counselor (CRPC®), Life Underwriter Training Council Fellow (LUTCF), Masters in Financial Services (MSFS), Certified Fund Specialist (CFS), Chartered Life Underwriter (CLU®), Chartered Financial Consultant (ChFC®) Securities Licenses:    Series 24, Series 63, Series 7, Series 65, Series 51 Insurance and Annuity Licenses:    Variable Annuity, Long Term Care, Variable Life, Disability, Accident, Annuity, Health, HMO, Life Financial Organization Memberships:    National Association of Estate Planners & Councils (NAEPC), National Association of Insurance and Financial Advisors (NAIFA), Society of Financial Services Professionals, Financial Planning Association (FPA), Million Dollar Roundtable
Firm Information Number of Advisors in Office:    10 - 99 employees I work with clients as part of a team:    Yes
Compliance Registered Representative:    Yes Investment Advisor Representative:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-based financial professional:    Yes Compensation Methods:    Hourly, Commissions, Based on Assets, Flat Fee
Prepared By:	Donald McDade, CFP®

Frequently Asked Questions

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What carrier(s) do you represent?

Q.	Are there any pre-existing conditions that you can not cover?

Q.	How long does it take to complete the application and approval process?

Q.	Is there a maximum age that you can insure?

Q.	What services do you provide? What are your specialties?

Q.	What financial institution(s) do you represent?

Q.	Do you provide a free initial consultation?

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Q.	What are your qualifications? What is your education background?
Don has worked in the industry since 1986. He holds the Series 7, 24, 51, 63 and 65 licenses and is a member of the Estate Planning Council, Financial Planning Association, and the Society of Financial Service Professionals. He is a past president of the Pittsburgh Chapter of the SFSP and has fulfilled the requirements for (PACE), Professional Achievement for Continuing Education.

Q.	What is your approach to financial planning?
I will review information you provide about your circumstances (investments, taxes, insurance, employee benefits, wills & trusts, etc.) and confirm that I understand your concerns, goals and objectives. We will then work together to establish and prioritize objectives. We will review the problems and opportunities you are facing, explore the alternatives and present a Menu Of Solutions™.

Q.	What services do you offer?
With individuals and families we do custom financial, retirement & estate planning. When asked this also includes implementation of the plan with investment and insurance products. For business owners we expand our work to include business succession planning and employee benefits.

Q.	How many clients do you currently manage?
As an organization, Mosaic serves over 2,000 clients, many of whom use our comprehensive financial planning and implementation services. I also work with clients on a planning-only basis. I have approximately 75 clients, leaving plenty of time for the kind of individual attention and personalization you expect.

Q.	Will you be the only person working with me?
You will have me as your lead advisor. Since I work with a team of professionals, you can be sure that I will bring the necessary expertise for any situation you may have. And you can be sure that whenever you need to talk, you will have access to someone familiar with you and your situation.

Q.	How are you compensated? How will I pay for your services?
Plans that address the multiple aspects of a family’s finances typically cost $1,500 to $5,000. Business owner planning is $2,500 to $10,000. Where less extensive analysis is involved, I may employ project fees. Asset management program fees are calculated as an annual percentage of the assets under management. Insurance companies pay us commissions depending on the products you purchase.

Q.	How much risk should I be willing to take?
We complete and in-depth interview with you to help you determine your appropriate risk level. We have a proprietary questionnaire that helps you understand your tolerance for risk.

Q.	Have you ever been charged with any breaches?
Never

Q.	What carrier(s) do you represent?
We represent most carriers that are licensed to do business in the state in which you live.

Q.	Are there any pre-existing conditions that you can not cover?
Each carrier has it's own criteria for insuring individuals.

Q.	How long does it take to complete the application and approval process?
Each carrier has it's own process but generally about 30 to 60 days.

Q.	Is there a maximum age that you can insure?
No

Q.	What services do you provide? What are your specialties?
We have access to Mutual fund wrap programs, Separate accounts, Multi-strategy accounts, Alternative investments, Hedging strategies, Variable annuities, College funding/529 savings plan, Common and preferred stocks, Corporate, municipal and zero coupon bonds, U.S. government and mortgage-backed securities, Certificates of Deposit, Life insurance, Disability income and Long-term care insurance

Q.	What financial institution(s) do you represent?
We are Private Wealth Advisors who enjoy the ability to make recommendations suitable to your needs. Through our affiliation with Lincoln Financial Advisors Corp. a broker/dealer and a registered investment advisor, we have access to many providers, which helps us to maintain balance and objectivity.

Q.	Do you provide a free initial consultation?
Yes