Mosaic Retirement Planning

What Mosaic Retirement Planning does

Mosaic Retirement Planning is an independent financial advisory firm headquartered in Centennial, Colorado, serving retired and near-retirement individuals primarily in the Denver metropolitan area. Founded in 2019 and operating as a private LLC, the firm is led by President Brad Hablutzel, a CFP professional with 20 years of industry experience who reports having consulted on over $1B in client wealth across his career. The firm has received Five Star Wealth Manager recognition for twelve consecutive years (2013-2025), and its leadership bench includes multiple credentialed advisors across CFP, CTS, and CFS designations alongside a dedicated Advanced Planning Team.

The firm's service offering centers on retirement income planning and spans investment management, tax minimization, Social Security maximization, legacy and estate planning, and a full insurance product line including life, long-term care, disability, and annuity products. Client engagement follows a five-step Discover/Analyze/Plan/Execute/Monitor process. The underlying technology stack is built entirely on third-party platforms: Riskalyze for risk tolerance assessment, E-Money for financial planning, Charles Schwab for custody and trade execution, Calendly for scheduling, and CreativeOne Wealth, LLC for RIA platform, compliance, and back-office infrastructure. The firm holds no disclosed proprietary technology.

The business model is fee-based advisory, embedded through CreativeOne Wealth's RIA platform, with insurance product commissions serving as a secondary revenue stream. Client acquisition is relationship-driven and locally focused, with no public indication of paid digital marketing, lead-generation partnerships, or institutional mandates. Geographic concentration in Colorado and the absence of multi-state licensing disclosures suggest the addressable market expansion is currently incremental rather than scale-driven.

Name

Mosaic Retirement Planning

Legal name

Mosaic Retirement Planning, LLC

Website

https://mosaicretirementplanning.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Mosaic Retirement Planning is an independent, fee-based financial advisory firm in Centennial, Colorado providing retirement income planning, investment management, tax minimization, insurance, and Social Security optimization for retired and near-retirement individuals in the Denver metro area.

Ownership category

akta.pro rank

Product category

Retirement Planning Services

NAICS

Pension Funds (525110)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

akta.pro secondary industries

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Retirement Benefits & Social Security/Medicare Planning (FSAEABAI), Estate & Legacy Planning Advisory (FSAEAAAG)

Keywords

• Retirement planning
• Investment advisory
• Wealth management
• Financial planning
• Insurance services

Headquarters

HQ city

Centennial

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Fee-Based Investment Advisory: Primarily fee-based advisory services offered through CreativeOne Wealth, LLC as a Registered Investment Adviser. The firm operates as a fiduciary, providing objective financial advice in the client's best interest. Revenue is generated through advisory fees rather than product commissions.
2. Insurance Products: Licensed insurance professionals offer life, long-term care, disability, and annuity products as risk mitigation and retirement income solutions. Insurance products are backed by the claims-paying ability of issuing insurance companies.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Mosaic Retirement Planning is an independent, fee-based retirement planning and wealth advisory firm serving retired and near-retirement individuals. The firm delivers investment management, retirement income planning, tax minimization strategies, legacy planning, Social Security maximization, workplace benefits and defined benefit pension maximization, and insurance products under a fiduciary model with no sales quotas.

Product overview

Mosaic Retirement Planning is a primarily fee-based, independent financial advisory firm offering a comprehensive suite of retirement planning services. The firm provides integrated financial and wealth planning, investment management, portfolio management, retirement income planning, legacy planning, tax minimization strategies, insurance services, Social Security maximization, and workplace benefits/pension analysis. Operating as a fiduciary, the firm serves clients who are retired or within a few years of retirement, with services delivered through a five-step process (Discover, Analyze, Plan, Execute, Monitor). Client access to accounts is facilitated through integrations with CreativeOne Wealth, Charles Schwab, and E-Money platforms.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Brad Hablutzel has consulted over $1 billion in wealth

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• CreativeOne Wealth, LLCcoreTechnology or IntegrationInvestment advisory services are offered through CreativeOne Wealth, LLC, a Registered Investment Adviser. Mosaic Retirement Planning operates as an independent firm while utilizing CreativeOne Wealth's platform for advisory services. The two entities are unaffiliated businesses.
• Charles SchwabcoreTechnology or IntegrationCharles Schwab serves as a client account custodian and platform. Clients access their accounts through Schwab's online portal for account management and trading.
• Five Star ProfessionalminorOthersFive Star Professional administers the Five Star Wealth Manager award program, which recognized Brad Hablutzel as a 2025 Five Star Wealth Manager based on 10 objective criteria.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Carson Group: National partnership-based RIA platform supporting independent advisors like Mosaic with compliance, technology, and back-office infrastructure; comparable as a similarly structured independent advisory model with fiduciary, fee-based practices serving retail clients.

Broad incumbents

• Edelman Financial Engines: Large U.S. RIA with deep retirement-income, Social Security, and decumulation planning focus; directly comparable to Mosaic's retired and near-retired client segment with much greater scale and proprietary planning technology.
• Wealth Enhancement Group: Multi-affiliate national RIA consolidator serving mass-affluent and retirement-focused households; comparable as a fee-based RIA model targeting retirement clients but operating at significantly larger AUM scale than Mosaic.
• Moneta Group: Large independent RIA based in the Midwest serving high-net-worth and retirement-stage clients with fiduciary financial planning; analogous fee-based retirement-focused advisory model with substantially larger advisor headcount and AUM.
• Charles Schwab Wealth Advisory: Custodian-embedded advisory service competing for the same retirement-age households; comparable fiduciary advisory product serving retirement clients, scaled nationally via Schwab's custody and platform reach.

Regional players

• Savant Wealth Management: Mid-sized independent RIA with a strong retirement income planning franchise across the Midwest; comparable retirement-focused, fee-based advisory services though operating in a different geography from Mosaic.
• Financial Planning Association of Colorado / Local Denver-Area Independent RIAs: Denver-metro independent advisory firms (e.g., Fischer & Porter, locally recognized Centennial/Denver-area CFP-led firms) compete directly for the same Centennial, CO retiree households Mosaic serves; comparable local retirement-planning market overlap.

Emerging players

• Facet Wealth: Digital-first flat-fee financial planning firm targeting retirement-stage Americans with virtual CFP-led advice; comparable client demographic and retirement-planning focus via an emerging technology-led delivery model rather than local in-person service.
• Boldin (formerly NewRetirement): Consumer-facing retirement planning software platform whose DIY planning tools overlap with the income, Social Security, and tax-minimization use cases Mosaic addresses in an advisor-led format.

Others

• CreativeOne Wealth, LLC: Registered Investment Adviser that supplies Mosaic's advisory platform, compliance, and back-office infrastructure; comparable as an RIA operating model though functioning as a platform/partner rather than a head-to-head competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mosaic-retirement-planning-llc

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mosaic Retirement Planning