Executives
Senior leaders with equity compensation, deferred comp plans, and the need to coordinate insurance with broader tax and estate strategy.
Florida-Licensed Independent Advisory
Strategic retirement and protection planning for high-income professionals.
Helping high earners — executives, physicians, business owners, and technology professionals — create tax-efficient financial security through a structured, multi-meeting advisory process.
Who We Help
A focused practice for high earners with structured planning needs.
We work with established professionals whose financial situations are no longer well-served by generic advice. Each engagement is consultative, multi-meeting, and built around understanding before recommending.
Physicians
High-income medical professionals navigating practice ownership, disability protection at appropriate income levels, and long-horizon accumulation.
Technology Professionals
Senior engineers, product leaders, and founders with concentrated equity positions and a need for analytical decision-making, not marketing.
Business Owners
Owners and partners with continuation planning needs, key-person exposure, and the complexity of personal and business interests intertwined.
Planning Areas
Where we focus.
We work in the planning areas where independent, well-structured insurance counsel adds real value alongside the work of CPAs, fiduciary advisors, and attorneys. Insurance is one tool among several — we treat it that way.
01
Retirement Tax Diversification
After-tax accumulation strategies for high earners whose retirement accounts are already maxed. Considering the trade-offs across taxable, tax-deferred, and tax-advantaged options.
02
Insurance Planning
Life, disability, and long-term care positioned correctly within a broader plan. Suitability assessed first; product selection follows.
03
Legacy & Estate Strategies
The insurance role in legacy and estate planning, coordinated with the client's estate attorney. We don't replace estate counsel — we work alongside it.
04
Executive Financial Planning
Insurance and risk planning for executives with equity compensation, deferred comp, and concentrated employer exposure.
05
Business Continuation Planning
Key-person, buy-sell funding, and business succession through insurance structures. Coordinated with the business attorney and CPA.
How We Work
A structured process. No pressure, no shortcuts.
High-trust planning is not a single meeting. It is a sequence — discover, analyze, design, coordinate, implement, review — applied with discipline.
Discovery
Understanding your situation, goals, and existing advisors before any product is discussed.
Analysis
Modeling your specific situation. Where does insurance genuinely add value, and where would it not?
Strategy Design
Building the recommendation. Multiple carrier options compared on their merits, not on commission.
Coordination
Working with your CPA, attorney, and fiduciary advisor to ensure the plan integrates with your broader strategy.
Implementation
Underwriting, application, and policy delivery — documented thoroughly, executed without pressure.
Ongoing Review
Annual review of the plan as your circumstances evolve. The strategy is not static.
About
A different kind of practice.
LogicPoint Advisors is the independent insurance advisory practice of Cosmin Mandachescu — a Florida-licensed agent whose background is in software engineering, with over twenty years building software systems and experience that includes FDA-regulated medical software development.
That background shapes how the practice operates. Every recommendation is documented. Every decision is traceable. The standard is suitability first, with insurance positioned correctly within your broader plan — not sold as a solution to a problem you do not have.
Independent, no carrier exclusivity. Multi-meeting, no pressure. Analytical, not emotional.
Next Step
Schedule a Consultation
Schedule a strategy consultation.
A first conversation is exploratory. We will discuss your situation, what kind of planning you're considering, and whether our practice is the right fit. No obligation, no pressure.