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Mosaac Financial provides independent, unbiased financial advice across the UK. Our team of experienced advisers supports individuals, families, and business owners through every stage of their financial journey, whether planning for retirement, managing investments, securing mortgages, protecting income, or developing business strategies.
We focus on clarity, practical guidance, and ongoing support so you can make informed decisions with confidence.
Our Services Snapshot
We help clients with a range of financial needs:
Retirement & Pension Planning: planning for a secure and comfortable retirement.
Investment Advice: guidance to grow your wealth in line with your goals.
Mortgage Advice: support with one of life’s biggest financial decisions.
Financial Protection: safeguarding income, family, and lifestyle.
Cashflow Planning: visualising income, expenditure, and future scenarios to make informed decisions.
Business Financial Support: tailored advice for business owners, including pensions, protection, and tax-efficient strategies.
How We Work
We take the time to understand your circumstances, goals, and priorities, creating a personalised plan that fits your life. Our structured approach ensures clarity, confidence and transparency at every stage.
1
Initial
Meeting
We begin by discussing your current situation and financial aspirations, either face-to-face or remotely. This helps us understand what matters most to you and prioritise the areas where advice is needed.
3
Research
Once we have a clear understanding, we use whole-of-market research tools to identify solutions tailored specifically to your needs.
5
Recommendations
We present clear, actionable recommendations, explaining each option so you fully understand the implications and benefits. Together, we agree on the next steps to implement your plan.
2
Attitude
to Risk
Your adviser will explore your comfort with risk using a short discussion and questionnaire. This ensures recommendations are suitable and aligned with your personal preferences.
4
Cashflow
Planning
We model your income, expenses, and future projections to test different financial scenarios. This helps you see the potential impact of decisions and gives a realistic picture of your financial future.
6
Ongoing
Support
Your financial journey doesn’t stop once advice is given. We continue to monitor your plan, updating it as life changes, whether that’s a new job, moving home, starting a family, or approaching retirement.
Jess Collis
Senior Paraplanner
Courteney Hager
Paraplanner
Kim Hardy
Administrator
Andrew Jackson
Financial Planner
Andrew Osguthorpe
Financial Planner
Chris Ashurst
Financial Planner
Joe Wilkinson
Financial Planner
Sara Mortimer
Financial Planner
Tracy Ward
Financial Planner and Mortgage Adviser
Oliver Ward
Financial Planner and Paraplanner
Chris Jeffels
Financial Planner
Caroline Eaden
Managing Director
Daryl Clarke
Investment Director and Chartered Financial Planner
Meet the Team
A collaborative team focused on smart solutions and long-term success.
Directors
Financial Planners and Mortage Advisers
Head Office Staff
Our Values & What Sets Us Apart
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Independent Advice: We are not tied to specific providers, offering truly unbiased options.
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Personalised Planning: Every plan is designed around your unique circumstances and goals.
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Clear Communication: We break down complex financial topics into plain, understandable language.
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Ongoing Partnership: We provide support throughout your life, not just at the point of advice.
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Transparent Fees: Fair and upfront charging ensures you know exactly what you are paying for.