RT Mosaic Wealth Management provides independent financial planning and portfolio management services. They offer customized strategies and dedicated service to clients through unbiased advice. Their three pillars of service are providing a unique investment portfolio for each client's financial plan, comprehensive retirement and estate planning, and a focus on investment strategy and integrity. They are registered portfolio managers that safeguard clients' assets through independent custodians and adhere to industry best practices and ethics standards.

1. Financial Planning | Portfolio Management
WEALTH
MANAGEMENT
REDEFINED

2. WHAT
SHOULD
YOU
EXPECT?
1
2
3
UNBIASED SOLUTIONS
DEDICATED SERVICE
CUSTOMIZED STRATEGY
We offer independent financial advice, personalized to
your situation. We are not tied to any products.
We have a small, select client base and our clients are
our focus. Our business is built on trust and advice.
We do not sell any proprietary investment products. We
recommend the best available solution for you.
OUR THREE PILLARS
1
2
3
SERVICE
INVESTMENT
STRATEGY
VALUE &
INTEGRITY

3. 1 SERVICE
2. RETIREMENT PLANNING1. PORTFOLIO MANAGEMENT
3. ESTATE PLANNING
6. TAX PLANNING
7. CORPORATE PLANNING 8. RISK MANAGEMENT
4. CASH & DEBT MANAGEMENT
5. EDUCATION PLANNING
We provide a customized investment portfolio catered
to your financial plan. Each portfolio is unique and
can be comprised of Exchange Traded Funds (ETF’s)
and private securities. We also have the ability to
hold individual holdings, such as stocks and preferred
shares, where appropriate.
Retirement Planning is the process of determining
retirement income goals and the actions and decisions
necessary to achieve those goals. It includes identifying
sources of income, estimating expenses, implementing
a savings program and managing assets.
Having a solid estate plan in place is a critical
component of any strong financial plan. At RT Mosaic,
we review your current estate documents and ensure
what’s important to you is reflected in your estate
plan.
We are here to help achieve your financial goals, not
judge you on your lifestyle expenses. Together, we
review your budget and simply point out area’s where
perhaps an expense isn’t consistent with your goals.
From tax efficient investments, to spousal RRSP’s, to
setting up family trusts, we have advanced knowledge
of tax minimization strategies and apply them where
appropriate. Tax minimization should be considered
in every aspect of your financial life as taxes can have
a considerable effect on your net returns.
Despite the recent federal corporate tax changes
with regards to small businesses, corporations are
still a great place to accumulate savings as you can
effectively defer paying the personal tax, leaving
more dollars to grow.
Saving for a child’s education is a major expense and
there are several tax efficient ways to accomplish this
goal. With your goals in mind, we determine how
much of your child’s education you would like to fund
and allocate assets accordingly to achieve this goal.
We complete a thorough risk management analysis
and make sure you’re educated in all types of
insurance available (life, disability, critical illness,
long term care, etc.) while understanding the pros
and cons of each. With that knowledge, you can
confidently discuss your insurance needs with a
specialist.
“Planning is bringing the future into the present
so that you can do something about it now”
– Alan Lakein

4. 2 INVESTMENT
STRATEGY
UNDERSTAND YOUR SITUATION
AND DEFINE YOUR GOALS AND
RISK TOLERANCE
CREATE AN INVESTMENT
POLICY STATEMENT
(IPS) UNIQUE TO EACH
HOUSEHOLD
MANAGE POSITIONS
BASED ON IPS
TARGETS AND
VARIANCE BANDS
FOCUS ON THE LONG TERM
AND REMOVE SHORT TERM
BIAS
CONSISTENT
REVIEW MEETINGS
STRATEGICALLY REBALANCE
PORTFOLIO TO IPS TARGETS
I.
II.
III.
IV.
V.
VI.

6. 3 VALUE &
INTEGRITY
All RT Mosaic team members are Certified Financial Planner (CFP) professionals and
Registered Financial Planner (R.F.P) professionals. All will abide by the Institute Of Advanced
Financial Planners (IAFP) code of ethics:
I. Members shall act in the best interests of their clients and shall place the interests of
their clients above their own.
II. Members shall hold in strict confidence all confidential information acquired in the
course of the professional relationship with their clients.
III. Members shall disclose to clients all sources of compensation relating to that client
relative to recommendations made and services performed.
IV. Members shall act in a conscientious, timely, and trustworthy manner, and provide
advice to clients only on matters within their competence.
V. Members shall make every effort to provide objective and impartial information to
clients regarding their financial needs, and advise clients of their various options,
describing the negative as well as the positive aspects of any recommendations.
VI. Members shall exercise due diligence in the performance of their duties.

7. 1. REGISTRATION 2. CUSTODIAN
RT Mosaic Wealth Management Ltd. is a registered
Portfolio Manager. Portfolio Managers meet the
high standards of registration with the securities
commissions in Canada, requiring specific education
and experience. Our primary regulator is the
Alberta Securities Commission. We are also currently
registered in the category of Portfolio Manager
through the regulatory passport system in each of the
following provinces: British Columbia and Ontario.
Clients’ accounts are required to be held by an
independent third-party custodian. After a vigorous
process, we chose Fidelity Clearing Canada because
of their ability to service our clients’ needs, their
attention to service, their technology platform and
their independent nature. All accounts at Fidelity
Clearing Canada are protected by the Canadian
Investor Protection Fund (CIPF).
3. INDUSTRY BEST PRACTICES
Established in 1952, the Portfolio Management Association of Canada (PMAC) is a forum for
Portfolio Management firms to share best practices and industry knowledge. RT Mosaic has
been a member of PMAC since 2015. PMAC was formerly known as the Investment Counsel
Association of Canada (ICAC). The new name Portfolio Management Association of Canada
was launched in 2010 to reflect growth, national membership and diversity of its membership
managing private client, pension, foundations and other institutional client portfolios.
PMAC currently represents over 250 portfolio management firms who collectively manage more
than $1.8 trillion of assets on behalf of pension plans, foundations, non-profit organizations,
institutions and high net worth investors.

8. RT Mosaic Wealth Management Ltd.
www.rtmosaic.com
#2160, 300 5th Ave SW Calgary AB T2P3C4
THE TEAM
Chris Rawles B.MGMT, CFP®, R.F.P., CIM®
FOUNDER, PORTFOLIO MANAGER & NET WORTH ADVISOR
Spencer Tilley B.COMM, CFP®, R.F.P., CFA
FOUNDER, PORTFOLIO MANAGER & NET WORTH ADVISOR
David Miller BFS, CFP®, R.F.P., CIM®
ASSOCIATE PORTFOLIO MANAGER & NET WORTH ADVISOR