Accountants, Lawyers and professional service providers: thank you for your referral. This page is dedicated to bridging the relationship.
A professional you work with thought we should talk.
I'm JoAnna Cohen, an environmental engineer with 12 years at the U.S. Army Corps of Engineers, now a fiduciary investment adviser. I model scenarios and stress-test assumptions to build plans that hold up when life gets complicated, then coordinate with the CPAs and attorneys my clients already trust.
A conversation first. No obligation.
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You reach out
Book a time that works for you, or send the message form below. Either one is fine.
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We talk for 30 minutes
It's free, with no obligation: a real conversation about where you are and where you want to go.
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Your referrer stays in the loop, if you say so
I only keep the professional who introduced us informed about your situation if you agree to it.
The person who referred you isn't paid for it. No referral fees are paid or accepted.
Who handles what
Your accountant and attorney keep doing what they do for you. I add the planning around it and work alongside them rather than replace them.
What I help with
- Retirement, 401(k) rollovers and investment management
- Roth conversion and withdrawal modeling, built on your tax projections
- Trust funding: retitling accounts and updating beneficiaries
- Special needs trust planning that protects SSI and Medicaid benefits
What stays with your CPA and attorney
- Tax preparation, filing and tax opinions
- Legal advice and document drafting
- Wills, trusts and entity documents
- IRS notices, audits and disputes
Built in four phases
Every sound structure starts with a blueprint. Each step is explained, so you always know why we're doing what we're doing.
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Discovery
Your full picture: income, expenses, debts, employer benefits, insurance gaps, goals and risk tolerance.
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Blueprint
I model scenarios and stress-test assumptions, then design a strategy around your specific goals.
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Implementation
We put the plan in place: the right accounts and coverage, your benefits, and how your assets are positioned.
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Monitor & adapt
Life, markets and tax law change, so the plan is reviewed and adjusted with clear communication.
Check my background. I'm a registered investment adviser representative. You can verify me on the SEC Investment Adviser Public Disclosure site, where my Form ADV describes my services, fees and conflicts of interest.
Let's connect
Tell me a little about yourself and who referred you. I'll be in touch within one business day, or book a time directly.
Thank you. Your message has been received, and I'll be in touch within one business day. Want to lock in a time now?
Referral disclosure: Engineered Wealth & Planning is a d/b/a of JLC Consulting, LLC, an investment adviser registered with the State of Florida (CRD #343904). Registration does not imply a certain level of skill or training. We do not provide tax or legal advice. JoAnna Cohen is also a licensed insurance agent and may earn commissions on insurance products, a conflict described in our Form ADV, available at adviserinfo.sec.gov. No referral fees are paid or accepted.