Disclosures
Important disclosures about the nature of LogicPoint Advisors' services and the scope of advice provided.
About LogicPoint Advisors
LogicPoint Advisors is the trade name under which Cosmin Mandachescu, a Florida-licensed insurance agent (Florida Department of Financial Services License #G335891), operates an independent insurance advisory practice.
This practice provides life insurance, disability income insurance, long-term care insurance, and annuity-related advice and product placement within the scope of the Florida 2-15 Life, Health & Variable Annuity license.
Scope of Services
The services offered through LogicPoint Advisors are limited to insurance-related matters. Specifically, we provide:
- Analysis of insurance needs based on client situation, goals, and existing coverage.
- Comparison of insurance products across multiple carriers.
- Placement of insurance policies with licensed carriers.
- Ongoing service of in-force policies and periodic review.
The following are not within the scope of our services:
- Investment advisory services. We are not registered as investment advisers and do not provide investment advice, securities recommendations, or portfolio management. Investment decisions should be made with qualified investment professionals.
- Tax advice. We are not certified public accountants or tax attorneys and do not provide tax advice. Tax matters should be addressed with qualified tax professionals.
- Legal advice. We are not attorneys and do not provide legal advice. Legal matters — including estate planning, business succession documents, and contract review — should be addressed with qualified attorneys.
- Comprehensive financial planning. Our work is the insurance role within broader financial planning. We coordinate with — but do not replace — the broader planning work of fiduciary financial advisors.
How We Are Compensated
LogicPoint Advisors is compensated through commissions paid by insurance carriers when a policy is placed. We do not charge separate fees for planning conversations, analysis, or recommendations. The commission compensation creates an inherent incentive to recommend insurance products; the discipline that offsets this incentive is our suitability-first standard: if no insurance need exists or no recommendation is appropriate, no policy is recommended.
Different insurance products and different carriers pay different commission rates. We are independent and have no carrier exclusivity. Carrier selection for any specific recommendation is made based on the suitability of the carrier's product for the client's specific situation, not on the commission rate paid.
Carrier Relationships
LogicPoint Advisors places business with multiple insurance carriers through brokerage relationships. We are not a captive agent of any single carrier. Carrier appointments may change over time based on the carriers' availability and the practice's needs. Clients have a right to ask, at any point in the engagement, which carriers we are appointed with and which carriers we are recommending for their specific situation.
Independence and Conflicts
We disclose any material conflict of interest that we are aware of, including: any familial, business, or financial relationship between us and a recommended carrier; any volume incentives that might affect carrier selection; and any other factor a reasonable client would want to know about in evaluating our recommendation.
Insurance Producer Information
Licensee: Cosmin Mandachescu
License Type: Florida 2-15 Life, Health & Variable Annuity
License Number: G335891
Issuing Authority: Florida Department of Financial Services
State Insurance Department
For complaints or inquiries about insurance professionals or insurance practices in Florida, the Florida Department of Financial Services may be contacted at 1-877-MY-FL-CFO (1-877-693-5236) or via the Department's website at myfloridacfo.com.
Changes to This Disclosure
This disclosure may be updated periodically to reflect changes in the practice or applicable regulations. The "Last Updated" date at the top of the page reflects the most recent revision.