Mosaic Family Office
Holistic, multi‑disciplinary management of family wealth — structuring, estate planning, fiduciary services, tax, investment management and consolidated reporting through the Mosaic Portal.
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Technology-led financial engineering
We solve the complex financial problems of our clients.
A South African financial-solutions group engineering wealth, accounting and capital with the precision of a modern trading desk — delivered through two specialist divisions and one proprietary technology platform.
Two divisions, one standard
Specialist expertise for families and businesses.
Each division is built around a single discipline so our clients work with true specialists, backed by the shared rigour, technology and governance of the Mosaic group.
Mosaic Hub
An AI‑native online financial operating system for accounting, payroll and personal finance — a sharper alternative to Xero and Sage, with an open API and Model Context Protocol, delivered at hub.mosaic.co.za.
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Capabilities
A complete financial back office, under one roof.
From inter‑generational wealth structures to monthly payroll runs, Mosaic combines the disciplines most firms make you assemble yourself — engineered, governed and audit‑ready.
Family Office
Structuring, estate planning, fiduciary, investment management and consolidated wealth reporting.
Accounting
Bookkeeping, annual financial statements, statutory and bank administration for individuals and entities.
Payroll
End‑to‑end payroll processing, payslips, EMP submissions and employee tax administration.
Personal Finance
Income tax, retirement, risk and cash‑flow planning that turns wealth into reliable, tax‑efficient income.
Tax
Compliance, proactive planning, SARS representation and clearance certificates across the group.
Investment Management
Mosaic is a Category II discretionary financial services provider, authorised to manage client investments under mandate.
The Mosaic platform
Best‑in‑class technology, built in‑house.
Most firms buy software. We engineer it. Every Mosaic client runs on a proprietary platform built to the same standards as a modern trading desk — secure, real‑time, fully audited and AI‑native.
One platform. Every discipline.
From family wealth structures to a company's bank reconciliation, Mosaic runs on a single, in‑house engineered stack — not a patchwork of third‑party tools.
- AI-native by design. Reconciliation, categorisation and document extraction run automatically.
- Bank-grade security. Argon2id hashing, AES‑256‑GCM encryption and OTP‑secured access.
- Immutable audit trail. Every action is logged, sealed and verifiable end‑to‑end.
- Open by default. An HMAC‑signed REST API and Model Context Protocol connect your data to any tool or AI.
Argon2id
AES-256-GCM
HMAC-SHA256
OAuth 2.1 + PKCE
OpenAPI 3.2
MCP
# Signed, idempotent, audit-logged request
POST https://hub.mosaic.co.za/v1/...
Authorization: "Mosaic-HMAC-SHA256 ..."
X-Mosaic-Timestamp: "1749810600"
X-Mosaic-Nonce: "a1b2c3..."
Idempotency-Key: "inv-2026-0042"
# 201 Created
{ "schema_version": "1",
"status": "committed" }- Founded in Johannesburg
- 2015
- Specialist divisions
- 2
- FSCA authorised provider
- FSP 46319
- South African based and run
- 100%
About
Named for the mosaic theory.
Mosaic Financial Solutions is a South African financial‑solutions group providing innovative answers to the complex financial problems of its clients. The firm is named after the mosaic theory — an investment approach that gathers information from the widest possible range of sources to determine the underlying value of an investment. Applying the mosaic theory is as much art as it is science.
The group is led by Hennie Loubser — B.Com (Hons), CA(SA), CFA®, FPSA® — a Chartered Accountant, CFA® charterholder and Fiduciary Practitioner of South Africa®, supported by a multi‑disciplinary team across accounting, compliance, investment management, legal and tax.
Mosaic Financial Solutions Pty Ltd is a Financial Sector Conduct Authority authorised financial services provider #46319 in terms of the Financial Advisory and Intermediary Services Act of 2002.
Contact
Speak to the Mosaic team.
Tell us which division fits your needs and we will route you to the right specialist for a confidential, no‑obligation conversation.