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Meet our team

Work with a Team of Passionate and Experienced Experts

Meet the dedicated team behind Differentiated Solutions, committed to guiding you toward financial success with expertise, integrity, and personalized service.

Joel Cohen

Meet the Founder

Joel Cohen

Joel strives to exceed his clients' expectations with better solutions that require less capital outlay than expected. He is successful because of his nearly 40 years of experience in actuarial consulting. His expertise spans capital management, benefit design, and insurance optimization. 

Previously, Joel held executive positions at Canada’s largest life insurance brokerage, a top 5 accounting firm, and a leading actuarial and risk management firm. 

An Associate of the Canadian Institute of Actuaries and the Society of Actuaries, Joel has received their Award of Honour and is a licensed life insurance agent. 

When not serving clients, he enjoys technology, cycling, and cutting-edge contemporary art.

Luis Dizon

Associate Principal

Luis Dizon

Luis has extensive work experience in the actuarial field, including insurance and reinsurance companies and brokerages and consulting firms.

In his actuarial career, Luis has developed an affinity for actuarial modeling that has been applied to creating tailored solutions. Luis believes finding tailored solutions is the best approach to solving problems because "one size does not fit everyone."

Luis is a Fellow of the Society of Actuaries, an Associate of the Canadian Institute of Actuaries, and a licensed life insurance agent.

Outside of work, Luis enjoys reading, traveling, and sports such as boxing, basketball and volleyball.

Leverage our expertise to take control of your financial future.