A different kind of insurance practice.

Who the practice is for

The practice centers on business owners — the questions that come with co-ownership and a payroll: is our buy-sell agreement actually funded, and funded correctly? What does the business lose if we lose a key person? After the 2024 Connelly decision and the 2026 estate-exemption changes, does the arrangement we set up years ago still hold up? Does an SBA loan require coverage, and how much? This is coordinated work, done alongside your CPA and attorney — insurance is the last decision in that conversation, not the first.

Around that core, the practice serves physicians, executives, and technology professionals on the individual side — disability income protection, tax-efficient accumulation, indexed universal life, and long-term care planning. Many business owners are physicians and executives themselves, so the two sides of the work meet more often than not.

How the practice works

The practice was built around a simple standard: suitability first. Before any product is discussed, the work is to understand your situation and determine whether insurance has a role in it at all — and if the honest answer is that it doesn't, we say so. The discovery process is built around understanding before recommending. Case design weighs multiple options rather than steering toward one.

The practice is consultative and multi-meeting. A first conversation is exploratory — your situation, what you're considering, your existing advisors, and whether we're a good fit. No products are presented and no pressure is applied in that first conversation. Compensation comes from carrier commissions when a policy is placed — see our Disclosures — and the incentive that creates is addressed directly through the suitability-first standard.

The background

My background is in regulated-industry software — building systems where every decision had to be documented and defensible. That discipline shapes how I approach planning today: every recommendation is traceable to its reasoning, and every conversation produces a clear record of what was discussed and why. It's the standard the analytical professionals this practice serves expect from any advisor they trust.

Working with your other advisors

Business owners and high-earning professionals are typically served by a team — CPA, fiduciary advisor, estate attorney. The insurance role is one piece of that picture, and it has to integrate with the rest. Tax structuring is your CPA's work. Estate documents are your attorney's. Investment advice is your fiduciary advisor's. What we contribute is the insurance analysis — what role insurance plays, which products fit which situations, and how the design fits the broader strategy. Where the situation calls for an advisor you don't yet have, we often suggest finding one before significant insurance decisions get made.

The credentials

Cosmin Mandachescu is licensed by the Florida Department of Financial Services as a 2-15 Life, Health & Variable Annuity Agent (License #G335891), authorized to discuss, recommend, and place insurance products in Florida. As an independent advisor, carrier access is held through independent brokerage general agencies rather than a single captive company — which is what allows the practice to recommend across the market rather than from one carrier's shelf.