A. Ownership/Advisory History Mosaic Family Wealth Partners, LLC, dba Mosaic Family Wealth (“MFW” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). MFW is organized as a Limited Liability Company (“LLC”) under the laws of the State of Delaware. MFW acquired the investment advisory business of Mosaic Family Wealth, LLC, which was founded in February 2015 by Duncan (Scott) Highmark and Larry Keith Shikles. Focus Financial Partners MFW is part of the Focus Financial Partners, LLC (“Focus LLC”) partnership. Specifically, MFW is a wholly-owned indirect subsidiary of Focus LLC. Ferdinand FFP Acquisition, LLC is the sole managing member of Focus LLC. Ultimate governance of Focus LLC is conducted through the board of directors at Ferdinand FFP Ultimate Holdings, LP. Focus LLC is majority-owned, indirectly and collectively, by investment vehicles affiliated with Clayton, Dubilier & Rice, LLC (“CD&R”). Investment vehicles affiliated with Stone Point Capital LLC (“Stone Point”) are indirect owners of Focus LLC. Because MFW is an indirect, wholly-owned subsidiary of Focus LLC, CD&R and Stone Point investment vehicles are indirect owners of MFW. Focus LLC also owns other registered investment advisers, broker-dealers, pension consultants, insurance firms, business managers and other firms (the “Focus Partners”), most of which provide wealth management, benefit consulting and investment consulting services to individuals, families, employers, and institutions. Some Focus Partners also manage or advise limited partnerships, private funds, or investment companies as disclosed on their respective Form ADVs. MFW is managed by Duncan (Scott) Highmark, Larry Shikles, Steve Rotello, Michelle (Missy) Brown, Tyler Campo, and Sarah Wolk (“MFW Principals”), pursuant to a management agreement between MFW Management Company, LLC and MFW. The MFW Principals serve as officers of MFW and are responsible for the management, supervision and oversight of MFW. B. Advisory Services Offered MFW offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses, charitable organizations, and retirement plans (each referred to as a “client”). It is the Advisor’s mission to help its clients incorporate clear, effective, and comprehensive strategies designed to not only facilitate their finances, but also their lives. The Advisor serves as a fiduciary to clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each client and seeks to mitigate potential conflicts of interest. MFW’s fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Wealth Management Services MFW may provide clients with wealth management services, which generally includes discretionary management of investment portfolios in connection with a broad range of comprehensive financial planning services. Investment Management Services MFW provides customized investment advisory solutions for its clients. This is achieved through ongoing personal client contact and interaction while providing discretionary investment management and consulting services. MFW works with each client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. MFW will then construct a portfolio, consisting of securities and strategies described in Item 8 of this brochure and/or affiliated private investment vehicles to achieve the client’s investment goals. Where appropriate, the Advisor may also provide advice regarding legacy portfolio positions or other investments held by the client. MFW’s investment approach is primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the client or due to market conditions. MFW will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the client. Each client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. MFW evaluates and selects investments for inclusion in client portfolios only after applying its internal due diligence process. MFW may recommend, on occasion, redistributing investment allocations to diversify the portfolio. MFW may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. MFW may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the client, generating cash to meet client needs, or any risk deemed unacceptable for the client’s risk tolerance. Clients have the right to provide the Advisor with any reasonable investment restrictions that on the management of their portfolio, which must be in writing and sent to the Advisor. Clients should promptly notify the Advisor in writing of any changes in such restrictions or in the client's personal financial circumstances, investment objectives, goals and tolerance for risk. MFW will remind clients of their obligation to inform the Advisor of any such changes or any restrictions that should be imposed on the management of the client’s account. MFW will also contact clients at least annually to determine whether there have been any changes in a client's personal financial circumstances, investment objectives and tolerance for risk. Held-Away Accounts - Pontera Order Management System MFW implements investment advice on behalf of certain clients in held-away accounts that are maintained at independent third-party custodians. These held-away accounts are often 401(k) accounts, 529 plans and other assets that are not held at our primary custodian(s). The order management system that we use for held-away accounts is provided by Pontera Solutions, Inc. MFW reviews, monitors, and manages these held-away accounts in an integrated way with client accounts held at our clients’ primary custodian(s). The platform allows MFW to avoid being considered to have custody of client funds since we do not have direct access to client log-in credentials to effect trades. MFW is not affiliated with the platform in any way and receives no compensation from them for using their platform. A link will be provided to the client allowing them to connect an account(s) to the platform. Once client account(s) is connected to the platform, MFW will review the current account allocations. When deemed necessary, MFW will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly and allocation changes will be made as deemed necessary. MFW may provide these services or, alternatively, may arrange for the plan’s other providers to offer these services, as agreed upon between MFW and the client. Retirement Accounts When the Advisor provides investment advice to clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the client’s best interest, the Advisor will provide investment advice to a client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Family Office Services MFW also offers family office bill pay services to certain clients as part of its wealth management program, pursuant to the wealth management agreement. UPTIQ Treasury & Credit Solutions, LLC MFW offers clients the option of obtaining certain financial solutions from unaffiliated third- party financial institutions through UPTIQ Treasury & Credit Solutions, LLC (together with UPTIQ, Inc. and its affiliates, “UPTIQ”). Please see Items 5 and 10 for additional information on these services and other important information. Insurance Solutions MFW helps clients obtain certain insurance solutions from unaffiliated, third-party insurance brokers by introducing clients to MFW’s affiliate,

Focus Risk Solutions, LLC (“FRS”), a wholly owned subsidiary of MFW’s parent company, Focus Financial Partners, LLC. Please see Items 5 and 10 for a fuller discussion of these services and other important information. Related Private Fund Manager MFW has a business arrangement with SCS Capital Management LLC (“SCS”), who is an indirect, wholly owned subsidiary of Focus LLC, under which certain clients of MFW have the option of investing in certain private investment vehicles managed by SCS. MFW is an affiliate of SCS by virtue of being under common control with it. Please see Items 5, 10, and 11 of this Brochure for further details. Use of Separate Account Managers MFW will recommend that clients utilize one or more affiliated or unaffiliated third-party separate account managers or investment platforms for managing all or a portion of a client’s investment portfolio. Clients may be required to authorize and enter into an investment management agreement with a separate account manager that defines the terms in which the manager will provide its services. The Advisor will perform initial and ongoing oversight and due diligence over each separate account manager to ensure the strategy remains aligned with clients’ investment objectives and overall best interests. The Advisor will also assist the client in the development of the initial policy recommendations and managing the ongoing client relationship. The client, prior to entering into an agreement with a separate account manager, will be provided with the separate account manager’s Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). Financial Planning Services As part of the wealth management services, MFW will typically provide a variety of financial planning and consulting services, which are offered in several areas of a client’s financial situation, depending on their goals, objectives and financial situation. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, Investment management, retirement planning, education savings, cash flow planning, tax planning analysis and coordination, estate planning analysis and coordination, and other areas of a client’s financial situation. A financial plan developed for the client will usually include general recommendations for a course of activity or specific actions to be taken by the client. For example, recommendations may be made that the client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. MFW may also refer clients to an accountant, attorney or other specialist, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. Financial Consulting Services MFW provides a variety of ongoing financial consulting services to clients, pursuant to a written financial consulting services agreement. Services offered are related to the client’s investment portfolio and other areas of need. Services are tailored to the client based on the client’s financial situation, goals, and objectives. Generally, such consulting services involve preparing a specific financial consultation based on the client’s financial goals and objectives. This consulting may encompass one or more areas of need, which may include the following services: ▪ General investment plan ▪ Ongoing investment consulting ▪ Risk analysis ▪ Overlap analysis ▪ Portfolio analysis ▪ Correlation analysis, and/or ▪ Fee analysis of underlying investments The client may engage the Advisor for other services not listed above. A financial consultation rendered to the client will usually include general recommendations for a course of activity or specific actions to be taken by the client. Through the creation of an investment proposal outlining the client’s previously stated investment considerations, the Advisor may advise on best trading and investment practices including security selection, commission costs, alternatives, liquidity, methods of investing, sell criteria (if any), dollar cost averaging and timing. MFW may also refer clients to an accountant, attorney or other specialist, as appropriate for their unique situation. Consultations are typically ongoing, where recommendations will occur periodically, assuming all information and documents requested are provided promptly. Consulting recommendations pose a conflict between the interests of the Advisor and the interests of the client. For example, the Advisor has an incentive to recommend that clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the client elects to act on any of the recommendations made by the Advisor, there is no guarantee of returns and the client is under no obligation to implement the transaction through the Advisor. Retirement Plan Advisory Services MFW provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”), pursuant to the terms of the retirement plan advisory agreement. The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include: ▪ Vendor analysis ▪ Plan Participant enrollment and education tracking ▪ Investment Policy Statement (“IPS”) design and monitoring ▪ Performance Reporting ▪ Investment due diligence and oversight (ERISA 3(28)) ▪ Ongoing investment recommendation and assistance ▪ ERISA 404(c) Assistance ▪ Benchmarking Services MFW is a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”) with respect to investment management services and investment advice provided to ERISA plans and ERISA plan participants. MFW is also a fiduciary under section 4975 of the Internal Revenue Code of 1986, as amended (the “IRC”) with respect to investment management services and investment advice provided to individual retirement accounts (“IRAs”), ERISA plans, and ERISA plan participants. As such, MFW is subject to specific duties and obligations under ERISA and the IRC, as applicable, that include, among other things, prohibited transaction rules which are intended to prohibit fiduciaries from acting on conflicts of interest. When a fiduciary gives advice, the fiduciary must either avoid certain conflicts of interest or rely upon an applicable prohibited transaction exemption (a “PTE”). As a fiduciary, MFW has duties of care and of loyalty to you and is subject to obligations imposed on us by the federal and state securities laws. As a result, you have certain rights that you cannot waive or limit by contract. Nothing in MFW’s agreement with you should be interpreted as a limitation of our obligations under the federal and state securities laws or as a waiver of any non-waivable rights you possess. C. Client-Tailored Services and Client-Imposed Restrictions Prior to engaging MFW to provide investment advisory services, each client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the client. These services may include: ▪ Establishing an Investment Strategy – MFW, in connection with the client, will develop a strategy that seeks to achieve the client’s investment goals and objectives. ▪ Asset Allocation – MFW will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance of risk for each client. ▪ Portfolio Construction – MFW will develop a portfolio for the client that is intended to meet the stated goals and objectives of the client. ▪ Wealth management and Supervision – MFW will provide wealth management and ongoing oversight of the client’s investment portfolio. Each client’s account will be managed on the basis of the client’s financial situation and investment objectives and in accordance with any reasonable restrictions imposed by the client on the management of the account—for example, restricting the type or amount of security to be purchased in the portfolio. D. Wrap Fee Programs MFW does not participate in wrap fee programs, where brokerage commissions and transaction costs are included in the asset-based fee charged to the client. E. Client Assets Under Management As of December 31, 2023, MFW managed a total of 1,436,354,560 in client assets comprising $998,175,370 in discretionary assets and $438,179,190 in non-discretionary assets.