Structuring
Tax‑efficient local and offshore company and trust structures, including cross‑border and exchange control considerations, tailored to each family.
Family Office Specialists
Technical multi-family office · FSP 46319
Private wealth, engineered by in‑house specialists in tax, trusts and offshore structuring.
A holistic, multi‑disciplinary family office staffed by in‑house Chartered Accountants, tax practitioners and fiduciary specialists. We structure, administer and report on everything from offshore trusts to property portfolios, orchestrated on the Mosaic Portal and run like an institutional operations desk.
Credentials and how we work
FSCA authorised provider #46319
Chartered Accountants CA(SA)
Fiduciary Practitioners FPSA®
Chartered Financial Analysts CFA®
Independent
Not tied to a single product house — every recommendation is ours alone.
Technical
Specialists in tax, law and accounting — not commissioned salespeople.
Governed
One operating model for both your family and your business.
What we do
Every financial discipline a family needs, coordinated.
One team, one standard of governance, across the full spectrum of private wealth — with the operational discipline of an institutional desk.
Estate Planning
Wills and inheritance structures for seamless inter‑generational wealth transfer.
Fiduciary & Trusts
Establishment, amendment and administration of local and offshore trusts.
Investment Management
Diversified local and offshore portfolios built on Constructed Outcome®, our proprietary outcome‑based methodology, with transparent, competitive fee structures.
Tax
Compliance, proactive planning, SARS representation and clearance certificates.
Foreign Exchange
Comprehensive currency solutions and allowance administration.
Philanthropy
Design and administration of public benefit organisations for family giving.
Property Portfolio Management
End‑to‑end management of property portfolios — acquisition support, financials, invoicing, maintenance and tenant placement — as one coordinated asset class.
Retirement Planning
Integrated pension, investment and tax strategies for reliable lifetime income.
Business Administration
Full operational and financial administration for entrepreneurs' businesses — accounting, management accounts, payroll and tax compliance — powered by Mosaic Hub.
The operations desk
A family office that runs like an institution.
Behind every family sits a controlled operating model — governed workflows, segregated duties and a complete audit trail on every instruction.
Payments Control Tower
Every cent that moves is loaded, checked, authorised and evidenced — never by a single pair of hands.
- Verified beneficiaries. A controlled beneficiary register with create, verify and send‑back states.
- State‑of‑the‑art payment functionality. Authorisation segregates load, check and release across the team.
- Proof of payment. Every transaction is evidenced and retained with full history.
- Request for funds. Structured funding requests with audit and email notifications.
Load
Capture payment against a verified beneficiary.
Check
Independent review of detail and mandate.
Authorise
Final segregated sign‑off releases funds.
Evidence
Proof of payment sealed to the record.
Tax & Assurance Desk
Income tax, provisional tax and VAT workflows run alongside an assurance engine that tracks every obligation from due to reviewed.
- Tax operations queue. Queries flow through new, in‑progress and complete with ageing visibility.
- Assurance lifecycle. Each obligation moves due → completed → reviewed, nothing slips.
- Recurring administration. Daily, weekly and monthly tasks assigned and logged.
- Accountability grid. A live worklist shows who owns what, and when it is due.
Provisional tax — IRP6Reviewed
VAT 201 reconciliationCompleted
Company assurance reviewDue
SARS query — estateIn progress
Documents & Multi‑Entity View
Wills, organograms, statutory records and structure documents live in one secure, audited vault — organised by family, entity and jurisdiction.
- Evidence vault. Controlled document retrieval with a complete access trail.
- Governance artefacts. Organogram and Last Will and Testament status at a glance.
- Multi‑entity family view. Per‑client, per‑document navigation across the whole structure.
- Statutory record keeping. Every register maintained and version‑controlled.
Family TrustActive
Holding Company (Pty) LtdActive
Offshore structureActive
Wills & mandates vaultSealed
Mosaic Portal
Your entire financial world, in one secure view.
The Mosaic Portal is the online home of your wealth — managing investments, insurance policies, trusts, companies and documents in a single, real‑time picture, and your window onto the operations desk at mosaicportal.com.
- Investment portfolios and performance, tracked live
- Insurance and risk cover consolidated in one place
- Entities, trusts and structures with statutory records
- Secure document vault and tax position at a glance
FAQ
Questions families ask before they switch.
Straight answers about how an independent, technically‑led family office works.
What makes Mosaic different from a traditional financial adviser?
Mosaic is an independent, multi‑disciplinary family office staffed by in‑house Chartered Accountants, tax practitioners and fiduciary specialists. We are not tied to any single product house, and our team is not a commissioned sales force.
What is the minimum investable asset requirement to become a client?
Family office services typically require a minimum of R 50 million in investable assets. Contact us to discuss your family's specific circumstances.
Can Mosaic structure and administer offshore trusts and companies?
Yes. We structure and administer both local and offshore trusts and companies, including cross‑border tax and exchange control considerations, for South African families and entrepreneurs.
Does Mosaic manage my business operations, not just my personal wealth?
Yes. Alongside personal wealth structuring, we provide full operational and financial administration for entrepreneurs' businesses, including accounting, management accounts, payroll and tax compliance.
How does Mosaic manage property portfolios?
We manage property portfolios end to end, from acquisition support through to financials, invoicing, maintenance and tenant placement, treating property as one coordinated asset class. Property administration is handled by our group company, Mosaic Rental Services.
Do you draft wills and manage estate planning?
Yes. We draft and review wills and design inheritance structures, working through estate duty, executor's fees and family governance from the outset so wealth transfers smoothly between generations.
Does Mosaic handle income tax submissions and compliance for the whole family?
Yes. We prepare and submit income tax returns and manage provisional tax, SARS queries and compliance for every family member and entity, coordinated by one team.
Does Mosaic act as an independent trustee for family trusts?
Yes. Our fiduciary practitioners serve as independent trustees, providing objective governance, statutory record‑keeping and administration for the family's local and offshore trusts.
Does Mosaic provide investment management services?
Yes. Mosaic is a fully FSCA‑licensed Category II discretionary investment provider, with in‑house investment management expertise led by Constructed Outcome®, our proprietary methodology aligned with the consistent compounding of family capital.
Can Mosaic assist with holistic risk management?
Yes. Through insurance.net.za, our dedicated short‑term insurance division, we manage risk holistically with dedicated risk improvement programmes that ensure reliable, comprehensive short‑term insurance cover for your family and business.
How strong is Mosaic's tax expertise?
Tax is a core competency. Beyond routine compliance, we expertly handle disputes, objections and negotiations with SARS and other tax authorities on your family's behalf, from everyday queries through to formal disputes and appeals.
Does Mosaic provide accounting services?
Yes. Family and business accounting is managed through Numbers, the accounting module built into Mosaic Hub, with live bank feeds, automated reconciliation and real‑time management accounts. Numbers also runs a full Model Context Protocol (MCP) server, so AI assistants can securely query your live financial data, read‑only.
Do you provide monthly management accounts for our operating companies?
Yes. We produce monthly management accounts for every operating company in the family structure, giving you perfect, up‑to‑date sight of the underlying performance behind your family office.
Does Mosaic administer payroll?
Yes. We administer payroll for family businesses and household staff end to end — monthly payslips, UIF and PAYE compliance and statutory filings — coordinated through Mosaic Hub.
Enquire
Speak to a family office specialist.
Tell us about your family's needs and we will arrange a confidential, no‑obligation consultation.
- FSCA authorised provider #46319
- A team of highly qualified accounting, tax and legal experts
- Confidential and discreet by default