Important Disclosures
Firm Registration and Capacity
JLC Consulting, LLC dba Engineered Wealth & Planning ("the Firm" or "we") is a state-registered Registered Investment Adviser ("RIA") registered with the [Florida Office of Financial Regulation]. Registration as an investment adviser does not imply a certain level of skill or training.
Investment advisory and financial planning services are offered through Engineered Wealth & Planning. JoAnna Cohen is an Investment Adviser Representative ("IAR") of Engineered Wealth & Planning.
Insurance products and services — including life, health, and annuity products — are offered through JoAnna Cohen in her individual capacity as a licensed insurance agent in Florida, Texas, Georgia, and New York. Engineered Wealth & Planning is not an insurance company or insurance agency. Insurance sales activities are separate and distinct from investment advisory activities.
Website Purpose and No Solicitation
The information contained on this website is provided for general informational purposes only. No content published here constitutes a recommendation of any particular investment, security, portfolio of securities, transaction, or investment strategy, nor should it be construed as an offer to sell or a solicitation of an offer to buy any securities.
The publication of this website should not be construed as a solicitation to effect or attempt to effect transactions in securities, or to render personalized investment advice, in any jurisdiction where such solicitation or rendering would be unlawful under the securities laws of that jurisdiction.
Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal. The value of investments and the income from them may go down as well as up and investors may not get back the amounts originally invested.
Investment Risk and Performance
The investment performance and success of any investment strategy or particular investment cannot be predicted or guaranteed. Investment activities involve a significant degree of risk. No representation is being made that any account, client, or strategy will or is likely to achieve profits or losses similar to any described herein.
Specific risks associated with investment products include, but are not limited to:
- Market risk: Securities markets are volatile. The value of investments may fluctuate significantly in response to general market conditions.
- Equity risk: Common stock prices may decline due to company-specific or broad market factors.
- Interest rate risk: Debt securities are affected by changes in interest rates. When rates rise, the value of debt securities typically falls.
- Variable annuity risk: Variable annuity contracts are subject to investment risk, including the possible loss of principal. Returns depend on the performance of underlying sub-accounts. Variable annuities are long-term products designed for retirement purposes.
- Fixed and indexed annuity risk: Fixed and indexed annuities are insurance products and involve product terms, surrender charges, market value adjustments, and limitations that may apply during withdrawal charge periods.
- Inflation risk: The purchasing power of investment returns may be eroded by inflation over time.
- Liquidity risk: Certain investments may be difficult to sell or may require a significant reduction in price to effect a sale.
Third Party Content and Links
Hyperlinked or referenced third-party content is not under the control of the Firm. The Firm does not certify or endorse, and is not responsible for, the accuracy, completeness, or reliability of any third-party content, including content from linked websites or resources.
Any calculators or interactive tools on this website are provided for informational purposes only. The results generated are hypothetical in nature, may not reflect actual investment results, and are not guarantees of future results. Results will vary based on individual circumstances.
Legal, Tax, and Accounting Disclaimer
Engineered Wealth & Planning and JoAnna Cohen do not provide legal, tax, or accounting advice. Tax-managed investing does not equate to comprehensive tax advice, is limited in scope, and is not designed to eliminate taxes in an account. Like any investment strategy, tax-aware investing is subject to investment risk.
Nothing on this website should be construed as tax or legal advice. Please consult a qualified attorney or tax professional regarding your specific legal, tax, or accounting situation.
Professional Credentials
Any references to "registered investment adviser," "registered," "fiduciary," "Investment Adviser Representative," or similar terms or attributes of the Firm or JoAnna Cohen do not imply a certain level of skill or training beyond the regulatory requirements associated with the applicable registration or licensure.
JoAnna Cohen holds the following registrations and licenses:
| Credential | Issuing Authority / State | Scope |
|---|---|---|
| Series 65 / IAR | NASAA — registered in FL and NY | Investment advisory services |
| FL-2-15 License | Florida Dept. of Financial Services | Life, Health & Variable Annuities — FL |
| Life, Health & Variable Annuities | Texas Dept. of Insurance | Life, Health & Variable Annuities — TX |
| Life, Health & Annuities | Georgia Dept. of Insurance | Life, Health & Annuities — GA |
| Life, Health & Annuities | New York Dept. of Financial Services | Life, Health & Annuities — NY |
| ACA / Marketplace Agent | CMS / Federal Health Insurance Marketplace | Individual & family health plans; Marketplace enrollment |
License numbers are available upon request. You may also verify insurance licenses directly through the applicable state department of insurance.
Insurance Products Disclosure
Insurance products and services are offered through JoAnna Cohen, a licensed insurance agent in Florida (License No. G349459), Texas (License No. 3513042), Georgia (License No. 3912461), and New York (License No. LA-1982551).
Insurance products are not securities. They are not subject to investment risk in the same manner as securities products, are not deposits, are not guaranteed by any bank, and are not insured by the FDIC or any federal or state government agency. Insurance products are backed solely by the claims-paying ability of the issuing insurance company.
When recommending insurance products, JoAnna Cohen is acting as a licensed insurance agent and is subject to a suitability standard. Compensation for insurance sales may include commissions paid by the insurance carrier. JoAnna Cohen will disclose the nature of her compensation upon request.
Annuity-specific disclosures: Annuities are long-term insurance products designed for retirement purposes. Withdrawals made during surrender charge periods may be subject to surrender charges, market value adjustments, or interest recapture provisions. Early withdrawal may also result in tax penalties. Please read all applicable product disclosure documents carefully before purchasing an annuity. Variable annuities involve investment risk, including the possible loss of principal, and are securities regulated by the SEC and FINRA.
ACA / Health Insurance Marketplace Disclosure
JoAnna Cohen is a licensed and certified agent authorized to assist individuals and families with enrollment in qualified health plans through the Federal Health Insurance Marketplace (HealthCare.gov) and applicable state marketplaces under the Affordable Care Act ("ACA").
As a Marketplace agent, JoAnna Cohen is registered with the Centers for Medicare & Medicaid Services ("CMS") and is required to complete annual training and certification to maintain marketplace eligibility.
Marketplace plan recommendations are based on your individual or family needs, budget, and eligibility for premium tax credits or cost-sharing reductions. JoAnna Cohen may receive a commission from the health insurance carrier for plans enrolled through the Marketplace. This compensation does not affect the premium you pay; plan premiums are set by the carrier and approved by state regulators.
Health insurance products are not investment products and are not subject to securities regulation. Marketplace enrollment assistance is a separate service from investment advisory services.
Limitation of Liability
By accessing this website, each user agrees to release and hold harmless the Firm, its officers, owners, employees, agents, and affiliated persons from and against any and all claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with the user's access to or use of this website, including any reliance on information contained herein.
The Firm does not warrant or guarantee the accuracy, timeliness, completeness, or suitability of the information provided on this website for any particular purpose. All information is provided "as is" without warranty of any kind.
Form ADV — Investment Adviser Disclosure Brochure
The U.S. Securities and Exchange Commission ("SEC") and applicable state securities regulators require registered investment advisers to provide clients and prospective clients with a written disclosure brochure (Form ADV Part 2A) and an individual brochure supplement for the specific adviser working with the client (Form ADV Part 2B). These documents provide important information about the Firm's services, fees, conflicts of interest, disciplinary history, and business practices.
You are encouraged to read the Form ADV documents carefully and ask questions before entering into an investment advisory relationship.
Form ADV Part 2A — Firm Brochure
Summary — Key ADV Part 2A Items
| Item | Summary |
|---|---|
| Firm & Registration | JLC Consulting, LLC, state-registered RIA in Florida. 51% majority member & IAR: JoAnna Cohen. Established 2026. |
| Services Offered | Financial planning; discretionary and non-discretionary investment advisory services; retirement planning; insurance planning coordination. |
| Fees & Compensation | Advisory fees are charged as a percentage of assets under management (AUM) and/or flat/hourly fees for financial planning engagements. Fee schedules are detailed in the ADV Part 2A and in the client agreement. Insurance commissions are paid by carriers and are separate from advisory fees. |
| Performance-Based Fees | The Firm does not charge performance-based fees. |
| Types of Clients | Individuals, families, business owners, and retirement plan participants. No minimum account size required. |
| Methods of Analysis | Fundamental analysis, modern portfolio theory, risk-based allocation. Strategies are tailored to each client's goals, time horizon, and risk tolerance. |
| Disciplinary History | Neither the Firm nor JoAnna Cohen has any reportable disciplinary history. Verify at adviserinfo.sec.gov. |
| Other Business Activities | JoAnna Cohen engages in the following outside business activities: (1) licensed insurance agent in FL, TX, GA, and NY and certified ACA Marketplace agent — commissions paid by carriers may create an incentive to recommend insurance products; (2) owner and operator of BizGeni.com, a web services and hosting company — this activity is unrelated to advisory services and presents no material conflict of interest; (3) owner and operator of SpaceGeni.us, a sustainability and ESG consulting firm providing ESG reporting and improvement recommendations to corporate clients — this activity is separate from investment advisory services and does not involve directing investment clients toward ESG products or strategies. All outside business activities are disclosed to clients and addressed in the full ADV Part 2A. |
| Conflicts of Interest | Compensation from insurance carriers may create an incentive to recommend insurance products. JoAnna Cohen addresses this conflict by disclosing all compensation arrangements, recommending products based on client need and suitability, and acting in a fiduciary capacity for advisory services. |
| Code of Ethics | The Firm has adopted a Code of Ethics requiring all supervised persons to act in clients' best interests. A copy is available upon request. |
| Custody | Client assets are held with qualified custodians. Clients receive account statements directly from the custodian at least quarterly. |
| Review of Accounts | Advisory accounts are reviewed at least annually or upon material changes in a client's circumstances. |
| Proxy Voting | Clients retain the right to vote proxies. The Firm does not vote client proxies. |
Form ADV Part 2B — Individual Brochure Supplement
The Form ADV Part 2B provides detailed information about JoAnna Cohen as your individual Investment Adviser Representative, including her educational background, business experience, disciplinary history, outside business activities, and compensation arrangements.
📄 Download ADV Part 2B — JoAnna Cohen (PDF)JoAnna Cohen — Background Summary
| Item | Detail |
|---|---|
| Full Name | JoAnna Cohen |
| Title / Role | Investment Adviser Representative; Principal, JLC Consulting, LLC |
| Business Address | 3903 Stonehaven Rd, Orlando, FL 32817 |
| Phone | (321) 375-0550 |
| Education | Bachelor of Science, University of Central Florida, 2022 |
| Prior Business Experience | U.S. Army Corps of Engineers (military service); engineering professional; business management. Details available in Form ADV Part 2B. |
| Registrations | Series 65 (NASAA) — registered as IAR in FL; State-registered in 2026 |
| Disciplinary History | No reportable disciplinary events. |
| Outside Business Activities | Licensed insurance agent (FL, TX, GA, NY); ACA-certified Marketplace agent. Owner/operator of BizGeni.com (web services and hosting) and SpaceGeni.us (sustainability and ESG reporting consulting for corporate clients). These activities are disclosed to clients and do not impair the ability to act in clients' best interests. See full ADV Part 2B for details. |
| Compensation | Advisory fees per client agreement; insurance commissions paid by carriers. No performance-based fees. |
| Supervision | JoAnna Cohen is the principal and is subject to self-supervision as the sole IAR of the Firm. Regulatory oversight is provided by state securities regulators. |
Privacy Policy — Notice of Information Practices
Engineered Wealth & Planning is committed to protecting the privacy of your personal financial information. This notice describes our privacy policies and how we collect, use, and protect your nonpublic personal information ("NPPI") in accordance with the Gramm-Leach-Bliley Act ("GLBA") and applicable state privacy laws.
What Information We Collect
| Category | Examples of Information Collected |
|---|---|
| Information you provide to us | Name, address, email, phone number, Social Security number, date of birth, employment information, income, net worth, financial goals, risk tolerance, account numbers, and beneficiary information. |
| Information from your transactions | Account balances, transaction history, investment holdings, payment records, and account activity. |
| Information from third parties | Information received from custodians, investment platforms, insurance carriers, or other financial institutions in connection with your accounts or financial plan. |
How We Use Your Information
| Purpose | Details |
|---|---|
| Providing advisory services | We use your information to provide investment advisory, financial planning, and insurance services, and to fulfill regulatory obligations. |
| Account administration | We use your information to process transactions, maintain your accounts, and communicate with you about your accounts. |
| Legal and regulatory compliance | We may use or disclose your information as required by law, court order, regulatory inquiry, or audit. |
| Marketing | We may use your information to inform you about additional services we offer that may be relevant to your financial situation. You may opt out of marketing communications at any time. |
Information We Share and Do Not Share
| Does the Firm share? | If yes — Can you limit this sharing? |
|---|---|
| For everyday business purposes — processing transactions, maintaining accounts, responding to legal orders | Yes — No. This sharing is necessary to provide services. |
| For our marketing purposes — to offer our own products and services | Yes — Yes. You may opt out. |
| For joint marketing with other financial companies | No — N/A |
| For affiliates' everyday business purposes — information about transactions and experiences | No — N/A |
| For non-affiliates to market to you | No — N/A. We do not sell your personal information. |
How We Protect Your Information
We maintain physical, electronic, and procedural safeguards designed to protect your NPPI. Access to your personal information is restricted to personnel who need it to provide services to you or to fulfill regulatory obligations. We require any third parties with whom we share your information to maintain appropriate safeguards.
We are not responsible for the privacy practices of third-party websites that may be linked from this website. We encourage you to review the privacy policies of any websites you visit.
Your Rights and Opt-Out
You may opt out of marketing communications or be placed on our Do Not Call list at any time by:
- Calling us at (321) 375-0550
- Emailing us at [email protected]
- Submitting a written request to 3903 Stonehaven Rd, Orlando, FL 32817
We will update your preferences within a reasonable time following your request. Your opt-out of marketing does not affect our ability to communicate with you about your accounts or as required by law.
Changes to This Privacy Notice
We may update this Privacy Notice from time to time. We will notify you of material changes as required by applicable law. The current version of this notice is available on our website and will be provided to you annually as a client.
Verify Our Credentials
We encourage all prospective and current clients to independently verify our registrations, licenses, and disciplinary history using the following free public resources:
| Resource | What You Can Verify | Link |
|---|---|---|
| SEC IAPD | Investment adviser firm and individual registrations, Form ADV filings | adviserinfo.sec.gov |
| FL Dept. of Financial Services | Florida insurance license verification | myfloridacfo.com |
| Texas Dept. of Insurance | Texas insurance license verification | tdi.texas.gov |
| Georgia Dept. of Insurance | Georgia insurance license verification | oci.ga.gov |
| New York Dept. of Financial Services | New York insurance license verification | dfs.ny.gov |
| CMS / HealthCare.gov | ACA Marketplace agent certification | healthcare.gov |
| Investor.gov | General investor education and adviser research tools | investor.gov |