Launching Soon

AI-Powered Financial Planning for Every Canadian Money Decision

Never make a financial decision in the dark again.

A personalized financial plan in under 30 minutes — built for Canadian rules and validated by a Registered Financial Professional.

See the whole picture.

See how it works

No credit card required · Validated by a professional · Privacy-first

The Planning Gap

5.4 million Canadians have no financial advisor. The rest are paying too much.

You're making financial decisions worth tens of thousands of dollars with no real guidance. Every year without optimized account allocation, tax strategy, and a retirement projection is money left on the table.

Too Expensive

$3,000–$10,000

per year for a financial advisor

Professional planning costs more than most Canadians under 45 can justify — so they go without.

Too Passive

0 conversations

with your robo-advisor last year

Robo-advisors manage your money. They don't plan with you through life changes.

Too Generic

0 personalization

from a generic AI chat

It doesn't know your RRSP balance, your province's tax rules, or your retirement timeline — and it asks for personal data you shouldn't be sharing.

What You Get

A real financial plan. A platform that grows with you.

Tell Charlie about your financial picture

Get a personalized plan in under 30 minutes

Track your progress, update anytime

Download your complete plan

Your Plan Includes

Eight sections. Zero guesswork.

Financial Health Score

A single number that benchmarks where you stand — updated as your situation changes.

Retirement Readiness Analysis

Your number, your timeline, your gap — with CPP/OAS timing and account strategy.

Investment Blueprint

Specific ETF and fund recommendations with rationale, allocation, and rebalancing you can revisit.

Tax Efficiency Review

RRSP, TFSA, and FHSA optimization for your province — not a one-time snapshot.

Debt Elimination Plan

Payoff timeline and scenario modeling so you can adjust when rates or priorities shift.

Insurance Audit

Life, disability, and critical illness gap analysis — so you know what's covered and what's not.

Market Context

Weekly macro commentary relevant to your portfolio and your Canadian accounts.

Lifetime Roadmap

Decade-by-decade milestones and your financial independence number — a living view, not a PDF in a drawer.

How It Works

A personalized plan in three steps.

Tell Charlie about your financial situation

A warm, adaptive conversation covers your income, goals, debts, and accounts. One question at a time. No forms.

Get a personalized plan in minutes

Investment analysis, tax strategy, retirement projections — all personalized to your numbers and your province.

Plans validated by a Registered Financial Professional

Every plan is reviewed by a Registered Financial Professional before you see it. Then Charlie walks you through it section by section.

Hi! Let's start with a quick picture of where you are financially. What's your approximate annual income?

Around $85,000 before tax.

Great. And roughly how much do you save or invest each month?

About $800 goes into my TFSA.

Nice — that's a solid savings rate. Do you have any other accounts like an RRSP or FHSA?

Always Available

Life changes. Your plan should too.

This isn't a one-time document. It's a planning platform that knows your full financial picture and is there every time something changes.

New job, raise, or career change? Update your plan in minutes.

Buying a home or starting a family? Ask Charlie how it affects your numbers.

Market shift or rate change? Get context relevant to your portfolio.

How We're Different

What Mosaic is not.

Not a robo-advisor

Robo-advisors park your money passively. Mosaic thinks through your entire financial picture with you.

Not a calculator

Calculators give generic numbers. Mosaic has a conversation that adapts to your situation, your province, your goals.

Not generic AI

ChatGPT gives one-off answers and asks you to paste in personal financial data. Mosaic is purpose-built for Canadian financial planning — private by design, with every plan validated by a credentialed professional.

Not replacing your advisor

If you have one, Mosaic gives you clarity between meetings. If you do not, Mosaic fills the planning gap.

Why Trust Mosaic

Built for Canadian financial rules. Not bolted on.

Canadian-Specific

RRSP, TFSA, FHSA, CPP, OAS, provincial tax rules — built in from day one, not bolted on.

Professionally Validated

Every plan is reviewed by a Registered Financial Professional before delivery — a structural requirement, not a disclaimer.

Built by Experience

Privacy-First

No legal name. No SIN. No account numbers. Alias-based profiles, encrypted data, Canadian data residency.

5.4 million Canadians have no financial advisor. Mosaic was built for them.

Pricing

Lock in Founding Member pricing.

Every plan reviewed by a Registered Financial Professional. Cancel anytime.

Billing

Snapshot

See where you stand

Financial Health Score
Basic profile
1 monthly check-in with Charlie (score-focused)
No credit card

Start Free

Plan

$17/mo

Your financial plan + professional review

Full conversational fact-find
8-section plan + PDF
5 conversations/month with Charlie
Life event guidance
6-month score refresh
Professional review (48h)

Get Started

Common questions.

Mosaic provides financial planning and education. It does not constitute registered investment advice. Every plan is reviewed by a Registered Financial Professional, but Mosaic does not hold itself out as a registered advisor.

Stop guessing. Start planning.

Join the waitlist for AI-powered financial planning built for Canadian rules. No credit card. No personal information.

Questions? hello@mosaicfinance.ai