Business Description
At Mosaic Consulting, we have been providing financial services to our community for more than two decades. We help bring clarity to your understanding of the financial world. 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 that are tailored for 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 individual needs and requirements.
General Information Gender:    Female CRD#:    3134632 Firm CRD#:    3978 Name of Broker/Dealer:    Lincoln Financial Advisors Corp. States Licensed in:    AZ, CA, GA, IA, KY, MD, MI, NJ, NY, NC, OH, PA, VA, WX Years of Experience in Financial Services:    11 Number of Years with Current Firm:    5 Work Experience:    Niki is a CERTIFIED FINANCIAL PLANNER®, Practitioner utilizing a keen sense of interpersonal communication and enthusiasm for the benefit of her clients with the goal of developing financial plans to help meet their specific needs and situations. She is one of only 65 Financial Planners across the country selected to join the Sagemark Consulting Private Wealth Services which focuses on clients in the "Very High Net Worth" market. As an investment professional, she provides fee based financial planning, wealth management, and retirement planning services. She helps clients accumulate, preserve and transfer their wealth. In addition, she has experience in the financial needs of senior executives, business owners and professional women. Prior to joining the financial services industry in 1998, Niki worked in marketing for the Pittsburgh Pirates baseball organization and advertising for the Intelligencer/Wheeling News Register. She is an active member of the South Hills Delta Gamma Alumnae Chapter and enjoys traveling and long distance running, completing the Phoenix Marathon in 2006. I work with the following types of clients:    Individual Investors, Non-Profit Organizations, Businesses
Services Investment Types:    Employee Stock Options, Insurance, Bonds, Stocks, Annuities, Exchange Traded Funds (ETFs), Alternative Investments, Mutual Funds, Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Chartered Retirement Planning Counselor (CRPC®) Securities Licenses:    Series 65, Series 7, Series 63 Insurance and Annuity Licenses:    Disability, Variable Life, Long Term Care, Variable Annuity, Accident, Life, HMO, Health, Annuity Financial Organization Memberships:    Financial Planning Association (FPA)
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, Flat Fee, Commissions, Based on Assets
Prepared By:	Niki Mullinix, 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?
Niki’s practice began in 1998. She earned a Bachelor of Art from West Virginia University and an MBA for Wheeling Jesuit University and became a Certified Financial Planner and Certified Retirement Plan Counselor from the College of Financial Planning. Niki holds the licenses of Life, Accident and Health Insurance and Series 7, 63 & 65 and is a member of the Financial Planning Association.

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 100 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