Mosaic Financial Partners Profile Picture Investment Adviser

Mosaic Financial Partners

Mosaic Financial Partners

  • EducationGolden Gate University; California State University
  • QualificationsMS, CFP
  • Investment Experience16 years
  • Founded1997

Strategic Asset Allocation

This portfolio is strategically allocated across asset classes, including US and international equities, fixed income and alternative strategies. It takes a long-term approach.

Risk score

Risk Score 2

Best 30 days


Worst 30 days


  • -0.4%
    30 day
  • 1.4%
    90 day
  • -6.0%
    365 day
    December 29, 2009
Monthly vs S&P500
Mosaic Financial Partners - Strategic Asset Allocation Monthly vs S&P500
-10.5% 12 months

Pre-investment approval required. Contact or call 866.825.3005 x1.

  • $20,000 investment min
  • 0.5% fee


  • Equity Fund
  • Debt Fund
  • Asset Allocation Fund
  • REIT

Top 5 securities View all


Portfolio commentary

  1. Aging bull: 4th longest rally since 1928

    21 November 2014

    Don't be surprised if there is a correction.

  2. A deep dive into the second quarter numbers 5 August 2014
  3. U.S. economy continues to slowly improve 31 January 2014
  4. Central banks help fuel global stock-market breakouts 19 November 2013
  5. The higher yields of emerging market bonds may be worth the extra risk 15 October 2013

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Performance detail

  • Manager (net of fees)
  • Dow Jones Moderately Aggressive


Covestor inception December 29, 2009

as of November 27, 2015 Manager (net of fees) Dow Jones Moderately Aggressive S&P 500
Past 30 days -0.4% -0.4% 0.2%
Past 90 days 1.4% 2.2% 5.7%
Past 365 days -6.0% -0.9% 3.0%
Since Covestor inception (Annualized) 5.1% 8.8% 13.4%
2015 (YTD) -3.8% 0.3% 3.5%
2014 1.8% 5.9% 13.7%
2013 12.1% 20.7% 32.4%
2012 12.5% 14.0% 16.0%
2011 -3.7% -2.6% 2.1%
2010 13.8% 16.6% 15.1%

Risk metrics

Last 365 days

as of November 27, 2015 Manager (net of fees) Dow Jones Moderately Aggressive S&P 500
Best 30 days 6.3% 7.4% 11.2%
Worst 30 days -6.7% -7.4% -10.0%
Volatility 9.9% 10.1% 15.2%
Sharpe Ratio - 0.63 - 0.11 0.18
Sortino Ratio - 0.92 - 0.14 0.26
Maximum Drawdown -12.8% -11.6% -12.0%
Value-at-risk (95%, 1 week) -2.3% -2.3% -3.5%
vs. Dow Jones Moderately Aggressive vs. S&P 500
Information Ratio - 1.06 - 1.25
Alpha -5.1% -8.1%
Beta 0.86 0.60
R-Squared 0.78 0.85

Pre-investment approval required. Contact or call 866.825.3005 x1.

  • $20,000 investment min
  • 0.5% fee

Latest transactions View all

Average trades per month 1.2
Executed Symbol Security Type Price
11/06/15 PRFZ PowerShares FTSE RAFI US 1500 Small-Mid Portfolio Buy $99.65
11/06/15 BIZD Market Vectors BDC Income ETF Buy $16.67
11/06/15 WDTI WisdomTree Managed Futures Strategy Fund Buy $41.46
11/06/15 IEMG iShares Core MSCI Emerging Markets ETF JDR Buy $42.78
11/06/15 RWO SPDR Dow Jones Global Real Estate ETF Buy $46.65
11/06/15 AMJ JPMorgan Alerian MLP Index ETN Buy $33.07
11/06/15 EMB iShares JP Morgan USD Emerging Markets Bond ETF Buy $108.11
11/06/15 PRF Powershares FTSE RAFI US 1000 Portfolio Sell $90.00

Important Information

  1. Past performance is no guarantee of future results.
  2. Performance of the Portfolio Manager's account is calculated by Covestor on a daily time-weighted basis, including cash, dividends and earnings distributions and broker commissions. Manager returns include trades and positions that fail Covestor's trading rules, as a result, actual client returns will differ. Covestor advisory fees are simulated and applied retro-actively to present the portfolio return "net-of-fees".
  3. Average client returns are calculated by Covestor and are composed of the asset-weighted average returns of all active client investments (some of which may contain investment restrictions) to the underlying portfolio. These daily average returns are then linked together for the timeframe presented. These returns include cash, dividends, earnings distributions, brokerage commissions and Covestor advisory fees.
  4. All graph data is as of the end of day for the referenced period, unless otherwise specified. The investment minimum is the minimum investment required to follow a particular portfolio. The minimum amount is determined by Covestor, based on the characteristics of the underlying portfolio. It should not be considered as specific investment advice for your investment situation.
  5. The performance charts are provided for informational purposes only, and should not be used as the basis for making an investment decision. Variables such as corporate actions or foreign exchange may affect daily performance displays. We rely on mathematical formulas, computer programs, and pricing information from third-party vendors to provide these returns. Neither Covestor nor any of its data or content providers shall be liable for any errors in this information or any actions taken by you in reliance upon this information.
  6. Benchmark returns have been calculated by Covestor using a time-weighted calculation of daily index valuations. Benchmarks presented are total return and therefore inclusive of cash, dividends and earnings distributions but not transaction costs. More
  7. Leverage indicates the level of margin utilized and is calculated by dividing gross exposure by portfolio net liquidation value.
  8. All Portfolio Manager information including personal data, profiles, strategies, monthly investment reports, and historical results outside of Covestor has been provided by the Portfolio Manager. Covestor makes no representation or warranty of its accuracy, completeness or relevance and it does not represent the opinions of Covestor. Transaction history is available upon request. Portfolio classifications are provided by Covestor, and are intended to serve as a general guide.
  9. Not all transactions listed will appear in your account due to Covestor's trading rules and individual client constraints. Eligibility of these securities is monitored periodically, and may change over time. Actual client investment holdings may vary.
  10. Index returns do not reflect any management fees, transaction costs or expenses. Individuals cannot invest directly in an Index.