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Engineered Wealth & Planning
Investment Adviser · Licensed Insurance Agent

Engineered for
Your Financial
Future

Bringing the precision of engineering and the discipline of military service to comprehensive financial and insurance planning — for individuals, families, and business owners in Florida, Texas, Georgia, and New York.

4
States Licensed
IAR
Series 65 Registered
ACA
Licensed Health Marketplace Agent
✓
Independent & Fiduciary
⚖️
Not tied to proprietary products
🎖️
Army Corps of Engineers Veteran
📋
Series 65 Registered IAR
📍
Licensed: FL · TX · GA · NY
JoAnna Cohen, Financial Advisor
FL·TX
GA·NY
Licensed States

A Different Kind of
Financial Advisor

Before I became a licensed financial advisor and insurance agent, I spent years in the U.S. Army Corps of Engineers and in engineering and business management roles — environments that demand precision, systematic thinking, and accountability for outcomes. Those experiences didn't just shape who I am; they define how I approach every client's financial plan.

In engineering, you don't guess. You gather data, model scenarios, stress-test assumptions, and build something that holds. I bring that same rigor to financial and insurance planning — because your retirement, your family's protection, and your wealth deserve nothing less.

As a business manager, I learned to see the full operational picture: cash flow, risk exposure, organizational structure, and long-term sustainability. That perspective is invaluable whether I'm working with a business owner building a succession plan or an employee optimizing their benefits package and investment strategy.

I'm newly credentialed as a financial advisor and insurance agent — and I believe that's a strength. My training is current, my thinking is fresh, and I have no legacy habits to unlearn. What I bring is a career's worth of real-world analytical discipline applied to your financial life.

🤝
Client-First Independence
Not tied to any carrier or proprietary product. My only obligation is to you.
🎖️
Military Discipline
U.S. Army Corps of Engineers — mission focus, integrity, and precision under pressure.
⚙️
Engineering Mindset
Systems thinking, scenario modeling, and quantitative analysis — not guesswork.
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Business Management
Real-world P&L, risk management, and operational experience you can lean on.

The Engineering Approach
to Financial Planning

Every sound structure starts with a blueprint. Your financial plan is no different — built in four deliberate phases, each one load-bearing.

01
🔍
Discovery & Assessment

We start by understanding your complete picture: income, expenses, debts, employer benefits, insurance gaps, goals, and risk tolerance. No cookie-cutter questionnaires — a real conversation about where you are and where you want to go.

02
📐
Blueprint & Strategy

Using the data gathered, I model scenarios, stress-test assumptions, and design a customized strategy. Like any engineering plan, it accounts for what's expected — and what isn't. We align every recommendation to your specific goals, not a one-size product.

03
🔧
Implementation

We put the plan into action — whether that means opening the right investment accounts, placing the right insurance coverage, optimizing your employer benefits, or restructuring how your assets are positioned. Every step is explained clearly, so you always know why we're doing what we're doing.

04
📡
Monitor & Adapt

A financial plan isn't set-and-forget. Life changes, markets shift, tax laws evolve. I stay engaged — providing ongoing reviews, adjustments, and clear communication so your plan keeps performing through every season of life.

Comprehensive Services for
Every Stage of Life

I work with you across financial planning, investment advisory, and insurance — so every piece of your financial life works together, not in silos.

Investment Advisory & Wealth Management

Fee-based investment guidance designed around your goals, timeline, and risk tolerance — not a commission.

  • Comprehensive financial planning
  • Portfolio construction & management
  • Tax-aware investing strategies
  • Employer benefits optimization
  • Ongoing portfolio reviews
FL — Series 65 / IAR
🎯

Retirement Planning

Whether retirement is decades away or around the corner, I help you build a roadmap that turns your savings into sustainable income.

  • Retirement income strategy
  • Social Security filing optimization
  • 401(k) & IRA guidance
  • Income gap analysis
  • Required Minimum Distribution planning
FL · NY · TX · GA

Life Insurance

Protect the people and obligations that matter most. I help you find the right coverage at the right cost — without the sales pressure.

  • Term life insurance
  • Whole & universal life
  • Key-person business coverage
  • Income replacement planning
  • Policy review & comparison
Licensed: FL · TX · GA · NY
💊

Health Insurance

Navigating health coverage can be overwhelming. I cut through the complexity and help you select plans that fit your health needs and budget. Both ACA and private plans available.

  • Individual & family health plans
  • Medicare supplement planning
  • Employer group benefit review
  • Short-term health coverage
  • Dental & vision coordination
Licensed: FL · TX · GA · NY

Annuities

Annuities can play an important role in generating guaranteed income — or they can be the wrong tool entirely. I'll give you a straight answer.

  • Fixed & indexed annuities (FL, TX, GA, NY)
  • Variable annuities (FL, TX)
  • Income rider analysis
  • Suitability-first recommendations
  • Existing annuity review
Variable: FL · TX  |  Fixed: FL · TX · GA · NY
🏢

Business Owner Services

Running a business creates unique financial complexity. My management background means I understand the pressures you face — and how to plan around them.

  • Key-person life & disability coverage
  • Executive compensation planning
  • Business continuity strategies
  • Qualified retirement plan guidance
  • Buy-sell agreement funding
FL · TX · GA · NY

Estate Planning

A complete financial plan protects not just your future — but your legacy. I coordinate with estate attorneys to align your financial strategy with your estate documents.

  • Revocable & irrevocable trusts
  • Wills & pour-over wills
  • Special needs trusts
  • Beneficiary designation review
  • Trust-owned life insurance (TOLI)
FL · TX · GA · NY
❤️

Elder Care Planning

Planning for aging parents or your own long-term care needs requires a clear strategy. I help families navigate the financial complexity of elder care before a crisis forces the decision.

  • Long-term care insurance
  • Medicare & Medicaid coordination
  • Care cost projections
  • Asset protection strategies
  • Family caregiver financial planning
FL · TX · GA · NY

Who I Work Best With

🚀
Aerospace & Defense Professionals
Space Coast, FL is home to some of the most complex employer benefit packages in the country. I help engineers and technical professionals at companies like NASA, Lockheed, Raytheon, and Boeing maximize every dollar of those benefits.
🎖️
Military Families & Veterans
I served. I understand the financial landscape of military life — BAH, TSP, VA benefits, and the transition to civilian financial planning. You don't have to explain your world; I've lived in it.
❤️
Special Needs Families
Families with special needs dependents face unique planning challenges — protecting government benefit eligibility, funding a Special Needs Trust, and ensuring a lifetime care plan that doesn't fall apart when parents can no longer be the primary caregiver.
⚙️
Engineers & Technical Professionals
If you prefer data over platitudes and want to understand the "why" behind every recommendation, we'll work well together. I don't oversimplify — I show you the analysis and walk you through the logic.
🏢
Small Business Owners
With hands-on business management experience, I understand the financial pressures of ownership: inconsistent income, benefits burden, succession, and the blurred line between business and personal finances.
🌅
Pre-Retirees (50–65)
The decade before retirement is the most consequential. I help clients in this window make the critical decisions around Social Security timing, income sequencing, Medicare, and portfolio de-risking.
Your Financial Plan Should Be Built Like
a Well-Engineered Structure

In engineering, every load-bearing element is identified, sized correctly, and tested before the structure is complete. A financial plan is no different. Your income, insurance, investments, and estate strategy each carry weight — and they have to work together, or the whole thing is at risk.

"I don't build financial plans that look good on paper. I build ones that hold up when life gets complicated."

Whether your priority is protecting your family, growing your wealth, or making sure you never run out of income in retirement — we start with your goals, model the scenarios, and build a plan with structure you can count on.

4
States where I'm licensed
100%
Independent — no proprietary products
$0
Cost for initial consultation
1:1
You work directly with me, always

Where I'm Licensed to Serve You

I hold insurance and investment licences across multiple states so you're covered whether you're in Florida, Texas, Georgia, or New York.

FL
Florida
FL-2-15 Life, Health & Variable Annuities Series 65 / IAR — Investment Advisory
TX
Texas
Life, Health & Variable Annuities
GA
Georgia
Life, Health & Annuities
NY
New York
Life, Health & Annuities

Let's Build Your
Financial Blueprint

The first conversation is free, no-pressure, and no-obligation. Tell me where you are and where you want to go — I'll tell you honestly whether and how I can help.

📞
✉️
📍
Primary Service Area
Central & Space Coast, FL (serving FL · TX · GA · NY)
Note: Investment advisory services are offered through JLC Consulting, LLC dba Engineered Wealth & Planning, a state-registered Registered Investment Adviser. JoAnna Cohen is an Investment Adviser Representative of Engineered Wealth & Planning. Insurance services are offered through JoAnna Cohen, Licensed Insurance Agent in Florida, New York, Texas, and Georgia. Licensure in a state does not constitute a guarantee of services in that state.
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