Ralph Umansky CFP, President of BestPlan Financial Strategies Inc, is an independent life insurance broker with access to a full range of products and services. He has achieved the internationally recognized Certified Financial Planner designation, and is a member of the insurance and financial services industry's elite Million Dollar Round Table organization, Canadian Association of Insurance and Financial Advisors, and Independent Financial Brokers of Canada. Ralph was recently awarded the National Quality Award, for his focused attention on persistency, permanence, stability and quality performance of life insurance services to consumers.As a futurist, Ralph has written over 15 articles on improving small business. He conducts workplace seminars and is available for individual consultation. more... See more text