Business Details
Your Trusted Financial Planning Partner in Concord
At Best Plan, we specialize in creating tailored insurance and financial planning solutions designed to protect individuals, families, and businesses throughout all stages of life. With over 20 years of experience as a Certified Financial Planner and 38 years of self-employment, our team understands the unique financial challenges faced by professionals, self-employed individuals, and business owners. We utilize a layered insurance approach that combines permanent and term life coverage to adapt to changing needs while reducing long-term costs. Our proprietary Plan2Know process helps clients identify gaps in their financial strategies and implement creditor-protected solutions that preserve assets and ensure business continuity.We maintain partnerships with over 20 leading insurance providers to offer competitive rates and comprehensive coverage options, including critical illness, long-term disability, and investment products with estate planning benefits. Our commitment to ongoing client education and regular policy reviews ensures that financial plans remain current and cost-effective. Backed by decades of industry expertise and a client-centric philosophy, we provide personalized guidance through complex financial decisions while maintaining transparency and ethical standards.
Services
Life Insurance Planning
Term Life Insurance
Permanent Life Insurance
Financial Planning
Critical Illness Insurance
Long-Term Disability Insurance
Estate Planning Solutions
Business Protection Strategies
Investment Planning
Group Benefits Consulting
Highlights and features
- We offer 20+ years of CFP expertise in financial planning
- Our team has 38 years of combined self-employment experience
- We access products from 20+ leading insurance providers
- Clients benefit from our proprietary Plan2Know process
- We provide creditor-protected strategies for asset preservation
Associations and certifications
- Certified Financial Planner (CFP)
What people say
Excellent financial planner
Knowledgeable professional
Trust-worthy advisor
Exceptional support
Holistic approach
Services
Life Insurance Planning
Our life insurance planning service creates customized protection strategies combining term and permanent coverage. We analyze individual needs to implement flexible solutions that adapt to changing circumstances while optimizing cost efficiency. Our approach considers estate planning benefits, creditor protection, and tax advantages to ensure comprehensive financial security for families and businesses.
Financial Planning
We provide holistic financial planning that integrates insurance, investment, and estate strategies. Our process identifies potential risks and gaps in existing plans while developing tailored solutions for asset protection and wealth preservation. The service includes retirement planning, tax-efficient investment strategies, and business continuity planning for professionals and entrepreneurs.
Critical Illness Insurance
This coverage provides tax-free lump sum payments upon diagnosis of specified critical illnesses. We help clients select appropriate coverage levels and policy features that complement disability insurance while protecting income streams. Policies include second medical opinion services and flexible benefit usage for treatment or living expenses.
Long-Term Disability Insurance
Our disability insurance solutions replace income during extended work absences due to illness or injury. We design policies that coordinate with existing group coverage while addressing gaps in personal and business financial needs. The service includes policy language review to ensure comprehensive definition of disability and benefit terms.
Estate Planning Solutions
We develop estate plans that minimize probate fees and ensure efficient asset transfer through insurance products. Our strategies incorporate segregated funds and annuities with death benefits that bypass probate while maintaining creditor protection. The service includes beneficiary designation optimization and coordination with legal professionals.
People
Ralph Umansky
President
Certified Financial Planner with 20 years of professional experience and 38 years of self-employment. Specializes in insurance strategies for business owners, professionals, and self-employed individuals. Recognized for developing the Plan2Know process to identify financial planning gaps.
Questions
What types of life insurance do you offer?
We provide term life insurance (10-40 year terms) and permanent life insurance options including universal life, T100, and whole life policies with investment components.
How does your Plan2Know process work?
Our proprietary process identifies financial planning gaps through comprehensive analysis of existing coverage, future needs, and potential risks affecting personal and business assets.
Do you work with self-employed individuals?
Yes, we specialize in financial strategies for self-employed professionals, addressing unique challenges related to income protection, business continuity, and tax-efficient planning.
What estate planning benefits do you provide?
We implement insurance-based solutions that minimize probate fees, provide liquidity, and ensure tax-efficient asset transfer while maintaining creditor protection for beneficiaries.
How do you help business owners?
We develop protection strategies for key personnel, partnership agreements, and business continuity plans while addressing creditor protection and succession planning requirements.
What investment products do you offer?
We provide access to insurance company investment products including annuities, segregated funds, and GIC alternatives with principal guarantees and creditor protection features.
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