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Welcome to Vaisus Business Plans

Business Writing Services in Edmonton

posted on 5:46 am

  Business planning is never easy, even if you run a transparent business and know all aspects of it well, an extra pair of eyes can support you in creating a useful, honest and working business plan.

When and why do entrepreneurs need business plans?

A plan for business is a continuous requirement of any company regardless of its size: maybe it is only a few thoughts in the mind of the sole owner, maybe it is a 200-page-long document for a Fortune 500 company. All business owners know it well, that without a plan, they won’t be able to succeed. However, they also know that there are no plans set in stone – business plans are changing and even more likely are adapted to the changing needs of the clients and customers, or the changing business environment – for example, what we are facing in our present days.

1. Applying for bank credit

Financial institutes always require a certain package of documents, that will definitely include a business plan. A well-planned cash flow statement can serve as a guarantee for the bank that your company will pay the credit back.

2. Government subsidies

Many governments run programs that fund new or existing businesses. Canada and within it, Alberta continuously advertise new funding programs, called Alberta Grants. Their goal is to subsidize companies to maintain workplaces, create more jobs, and grow overall to be able to boost the Canadian GDP.

3. Partnering with another company

Although there might not be strict requirements on how a partnership-related business plan should look like, it is in the business owners best interest to clarify who does what, and what they can expect from the relationship. It stands especially for situations of merger or acquisition.

4. Joining a franchise

Many franchises offer their own set of business plans and with it manage new investors’ expectations.

5. Having an investor

An ever-trending question from investors is whether the applying entrepreneur knows the market and industry. Have they ever done a proper market analysis? Are there any known competitors? (Hint: If the answer is no, you might want to look again.) An agreement with an investor is always strict and precise, consisting of points aiming for risk mitigation. One way for the investor to handle the risks is to request a business plan for the next 3-5 years.

For the above example situations, you will be requested to provide a formal concept plan with your approach to sales, marketing, HR, budgets, and revenue and cash-flow plan. The easy, but not working way out is to download a few shady sample documents and populate them with non-researched numbers and strategies. If the goal is to apply successfully, a professional consultant is your best shot.

How to choose the best business plan writer in Edmonton?

Edmonton’s unique approach to aspiring entrepreneurs and its thriving business culture join to be a well-nurturing soil for any new businesses, especially for the SMB and startup sized ones.

This vivid business community offers more options a business owner is looking for a business plan writer partner. Let’s see a few decision criteria:

1. Reputation

Word of mouth or if that’s not available, internet reviews are helpful to determine whether a consultant company is going to be supportive enough.

2. A good understanding of the market

Every successful plan needs well-researched foundations, and it is especially effective if the knowledge comes from experience and not a simple Google search.

3. Customization

Every business needs a unique approach when it comes to planning. Choose a consultant, who understands that and does not force you into pre-made templates.

4. In-person or online due diligence

The best way to choose the right expert is to examine whether there is professional chemistry and to conduct short due diligence. Don’t be afraid to ask for referrals, formerly submitted plans excerpts, and a short video call to see, who will support you in the next important step of your business journey.

Vaisus is a team of professional business writers in Edmonton. Our vision is to support clients with highly tailored, custom business plans that serve their purpose successfully. We offer to give you a detailed picture of the business in scope throughout our strategic plans and help both our clients and our clients’ partners to manage their agreements on true and accurate data.

Vaisus’ services include market research to create the foundations, marketing plans to introduce sales and revenues, financial plans to provide an understanding of the profits and losses – all in a package 100% tailored to fit the requirements.

Our team has experience in franchise partnering, applying for credit for banks and financial institutes, investments, strategic and operational planning, immigration, and non-profit sectors. Businesses around Canada gain advantage using Team Vaisus’ vast experience and support and form a long-term partnership for not just the early days, but for many years.

Vaisus is a leader in business plan writing in Edmonton, if you are looking for professional support for your business with real experience, friendly customer service, and highly successful track record, check our website: https://vaisusbusinessplans.ca/

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Wise Business Plan Writers in Edmonton

Need a business plan writer in edmonton.

Edmonton, located in Alberta, Canada, offers a vibrant business landscape with diverse industries and ample opportunities for entrepreneurs and established businesses. Notable business areas in the city include Downtown, Old Strathcona, West Edmonton Mall, Whyte Avenue, and the ICE District. Downtown is a commercial hub with a mix of industries, including finance, professional services, and technology. Old Strathcona is known for its artistic and cultural scene, featuring numerous small businesses, boutiques, and restaurants. West Edmonton Mall is one of the largest shopping centers in North America, attracting retail businesses from various sectors. Whyte Avenue is a lively district with a vibrant nightlife and a wide range of businesses. The ICE District is a developing area with a focus on sports, entertainment, and hospitality.

Our experienced writers in Edmonton can create tailored business plans that cater to your industry, target market, and vision, positioning you for success in this dynamic business environment.

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• Extensive knowledge of Edmonton business landscape

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Happy Wise Clients

Jeff did a fantastic job - he had a lot to live up to - my previous business plan for a franchise 19 years ago still resonates very hard shoes to follow, and he surpassed.

I'm getting super great feedback on my business plan! I'm very excited and grateful for everything you guys have done for me.

I encourage everyone to get this team as they are professional business plan writers and they'll surely be a big help to each and every one of us. Many thanks!!

I looked over the work and was impressed. Looks very nice. Thank your team for the professional and outstanding customer service.

You did amazing. I am thrilled, and grateful for the work that you put forth on my business plan. I'll definitely be back to you for any planning needs in the future.

I have to be honest you guys did a phenomenal job with this business plan the design and the numbers everything. I cannot wait to see what else you guys have to offer in order to get my business off the ground.

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Frequently Asked Questions

Here are some frequently asked questions about business plan writers in Edmonton along with short answers:

A business plan writer is a professional who specializes in creating comprehensive and customized business plans for entrepreneurs and small business owners.

A well-crafted business plan is essential for securing funding, attracting investors, and achieving business success. A business plan writer can help you create a plan that is tailored to your specific needs and goals.

When selecting a business plan writer, look for someone who has experience in your industry, possesses excellent writing and communication skills, and is committed to delivering high-quality work.

The timeline for creating a business plan can vary depending on the complexity of your business and the level of detail required. However, on average, it can take anywhere from a few weeks to a few months to create a comprehensive business plan.

The cost of hiring a business plan writer can vary depending on the level of experience and expertise of the writer, as well as the complexity of your business. However, a good business plan can be a worthwhile investment in the long run, helping you secure funding and achieve business success.

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Your business, your profit, coaching + consulting = business building success.

Workplaces will help you grow your business. We provide a combined approach to business consulting and coaching. Rather than just diagnosing your business and providing a list of “to-dos,” we stay with you, ensuring that new solutions are implemented successfully and in a meaningful way, producing positive results. We provide Edmonton business consulting services, specializing in small business. 

We focus on the four business building blocks, money, time, systems, and people. Find ways to manage your business’ money and financial systems, set priorities and increase efficiency, implement effective systems, and manage the people involved in your business.

Start making a profit without the pain and put your mind at ease when it comes to money.

Learn to stop managing “time” and start managing action. Start to truly manage the priorities that save you time.

Implement results-driven systems throughout your business that work.

Build and leverage your people assets by boosting your leadership and management effectiveness.

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We are business owners like you who have built and grown companies. We are best-in-class Business Builders because we’ve learned the lessons and have and continue to be successful. We are on a mission to ensure you know the secrets to scaling up, starting up, and fixing up a business that produces simplistic, sophisticated, and affordable results.

We partner with business owners in navigating the business challenges they’re facing driving business results and overall profitability.

Whether you want to scale up, start up or need to fix up your business, we are here to support and guide you through this and ensure you see the results you want. With Workplaces, you’ll experience:

Increased Clarity

Know the solutions that give you results and the rewards that come with successful execution.

More Control

Know what lies behind the corner and reduce your risk as you grow your business.

Focused Execution

Know what needs to be done and when it needs to be done.

Sustained Results

See your results not just today but results tomorrow and in the future.

"Where do I stand?"

Find out where your, business is at.

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Business Plan Writers in Edmonton, Alberta, Canada

Published Apr.16, 2020

Updated Apr.22, 2024

By: Cynthia Turner

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Table of Content

Edmonton, Alberta has an excellent reputation for investing and establishing a business with its friendly business climate and some of the most cost-competitive places. The city has one of the most resilient, strong, and diversified economies in Canada. This makes Edmonton one of the best places to nurture entrepreneurship. OGS Capital, with its team of qualified professionals, provides an ideal business plan in Edmonton. It helps entrepreneurs who want to become a part of the thriving economy of the city by establishing a startup or expanding business. Our experts have the necessary experience entrepreneurs require to develop an impeccable business plan.

Booming Business Opportunities in Edmonton

Are you thinking about launching a small business in Edmonton? It might be the best decision if you want to see your startup thriving.

Alberta Economic Development, in its recent statistics, found a 12 percent increase in the growth of small businesses in Edmonton, which is more than a national average. The city’s friendly business environment and booming economy create an array of opportunities that startups can use to get off the ground. When business owners see a demand for the services they provide, they can expand and grow their business based on it.

Entrepreneurial Spirit

Small businesses in Edmonton account for approximately 95 percent of the economy, which consequently makes nearly 30 percent of Alberta’s s GDP. The increasing number of companies and startups heightens the entrepreneurial spirit of the city, attracting new customers and investors.

Moreover, this spirit encourages other business owners to take risks and invest in expanding operations. There are many companies like OGS Capital that guide entrepreneurs about how to start a business in Edmonton and then help them transform their ideas into a successful business.

Diverse Entrepreneurial Community

From developers, graphic design businesses to investors, business plan writers, and networking opportunities, the entrepreneurial community of Edmonton is quite diverse. Young entrepreneurs find numerous business ideas in Edmonton.

Moreover, the city has a lower cost of living and is full of talented individuals who are qualified and willing to give their best. Needless to say, the city is home to an incredible pool of talent.

According to CFIB, Edmonton is one of the cities with the most upbeat business owners and is on the fourth number. That means the entrepreneurial community, business ideas, and a thriving economy makes this city one of the hottest hubs startups.

Advantages of Hiring OGS Capital Consultants

OGS Capital holds a solid reputation among business communities for its outcome-focused strategies, extensive business network, and business plans in Edmonton. These experienced professionals have mastered the art of creating a business plan that can boost revenues and ensure bottom-line benefits for startups. The professional approach and expertise of OGS capital allow them to offer the best business plan writing services in Edmonton. OGS Capital’s business plans are more than just a set of actions to run a business, but rather comprehensive documents with relevant strategies that help business owners meet their goals.

Check out the advantages of hiring the OGS Capital consultants to draft Edmonton startups’ business plans.

A Business Plan That Suits Your Business Needs

No business plan can lead you to success until it incorporates strategies and actions that can assist the growth of your startup.

OGS Capital, in this regard, has designed over 5000 business plans and experienced working with over 300 industries. Our extensive expertise in creating a customized business plan across a wide spectrum of diverse industries helps us provide clients with the results they want. One of the features that make OGS consultants stand out among other firms in the city of Edmonton is that our experts do not use any generic templates.

In fact, our professionals consult with the clients in detail to create a personally-tailored business plan that relates to the client’s unique business. In-depth consulting is a part of OGS’s business plan writing services in Edmonton. It is to capture a clear depiction of the client’s new venture.

OGS consultants conduct their work with high business standards of reliability, honesty, and integrity.

 Comprehensive and Strategic Business Plan

Analyzing competitive forces and underlying economics is one of the essential steps to create a result-oriented business plan. From marketing requirements to supply chain and production, a business plan must be elaborative and comprehensive to cover everything. OGS business plans in Edmonton are committed, bringing about client success. The consultants structure clients’ input and market knowledge in the document professionally. Adding the best strategies and practices, our business plan writers provide guidance, so your startup ideas seem appealing to potential investors.

Investor-Ready Proposals

Gaining the funds for a new business or startup requires skills. Ultimately, it’s up to a business plan when it is about attracting the right brokers and investors.

At OGS, business analysts understand that investors receive business proposals from plenty of business ventures. That is why it is critical for a business plan to stand out from the rest. Professional business plan writers, with their skillful comprehension of resources, motivations, characteristics, and requirements of investors, create a plan that catches investors’ attention. The investor-ready proposal is a well-thought-out document that meets not only business requirements but also investor’s needs.

Well-Researched Plans

This is another defining feature of OGS business plan writing services Edmonton that sets it apart from other business proposals firms. Each business plan comprises in-depth market analysis from some of the most renowned companies. It helps entrepreneurs understand the scope of their business in the relevant industry and the current needs and demands of the target audience. We have a strong network of opinion leaders and industry experts to get the job done.

Bottom Line

OGS Capital excels in providing assistance to business planning services in Edmonton. Our dedicated team of professionals devises a plan that meets the needs of your business and helps you maximize profits. If you are looking for a professional service for your business, we are here to help you. Call us or fill the form down to achieve your business goals with a successful business plan.

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OGSCapital’s team has assisted thousands of entrepreneurs with top-rate business plan development, consultancy and analysis. They’ve helped thousands of SME owners secure more than $1.5 billion in funding, and they can do the same for you.

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WE IMPROVE LIVES,

One business at a time.

Our mission is to positively impact the lives of many through the extensive reach of businesses. We believe that our business consulting and business management practices can help to improve any industry for the better while forging a reality out of our client's dreams.

At  Give Back Consulting  we use proven methodologies to assess the current situation of your business and identify your future goals, and as a part of our business consulting services, we will customize an action plan to fit your needs while providing guidance and support when you need it.

We offer complete and customizable business consulting services to small businesses, startups, owner-operators and SMEs.  

WE IMPROVE LIVES - ONE BUSINESS AT A TIME

BUSINESS PLANNING

Strategic & Operational Planning

Bank Ready Business Plan Creation

Company Vision & Mission Identification

Long-Term & Short-Term Goal Setting

HUMAN DEVELOPMENT

Creation of Employee Improvement & Training Programs

Procedures Adjustment &  Implantation

Company Activities & Events

Benefits & Wage Adjustments

WHAT  WE DO

Estimating systems.

Creation + Implementation of Estimating Systems & Procedures

Project Management & Financial Systems Integration

Retail & B2B Sales

Cold Calling

Door 2 Door

Result Oriented Formal & Professional Email Writing

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Financial Planning & Cash Flow Tracking

Financial Systems & General Ledger Creation

Expenses Handling & Paper Trail Tracking

SALES TRAINING

Project management.

Personnel Management Training

Procurement & Subcontractors Management

Safety Systems & Manual Creation, Implementation & Monitoring

Contract Negotiation

Managing Paperwork

Activity/Service Monitoring & Analysis

INDUSTRY OPPORTUNITIES

Broadening Service Offering​

Vertical Integration

Target Client Segment Focus

Industry Re-Focus:

Residential, Commercial & Industrial

Retail & Online

Introducing Potential Clients

TESTIMONIALS

"Constantine guided me through all the practical steps

of starting my contracting business. From incorporation to

logo & website creation. I even received leads for work."

CONTACT  US TODAY

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Send us a detailed message describing your current situation, and expectations for our business consulting services.

Strategy And Innovation Made Simple Effective Actionable

Our consulting services help Canadian organizations build strategies, innovate with confidence, and achieve tangible results.

CHANGE IS HAPPENING FAST.

We help organizations build strategies that don't suck..

Most of us have experienced strategic plans that:

• Are too complex
• Take too long
• Don’t engage the whole team
• Don’t execute

Take the guesswork out of your organization’s future.

inVision Edge’s consulting services have helped many of Canada’s leading organizations build strategies, innovate with confidence, and achieve tangible results. Let us help you too.

Our Partnership Process

We work alongside our clients to accelerate their organizations using a simple, proven framework.

Assess Your Needs

Book a call with us and we’ll help you clarify your biggest challenges and opportunities. Then we'll identify where we can provide support.

Plan for Success

We'll work together to design the right plan that focuses on your greatest opportunities, providing you with a roadmap for success.

Execute with Confidence

Together, we'll execute the plan and generate results to help you achieve your short-term and long-term goals.

CASE studies

We are proud to contribute to our clients’ outstanding achievements. Check out the real-world case studies highlighting our clients’ successes!

Pollard Banknote Limited Case Study

Pollard Banknote Limited, an international lottery partner, joined forces with...

Bartle & Gibson Case Study (Edmonton)

Without a formal strategy in place, how does an organization...

Manitoba Canola Growers Association Case Study

The Manitoba Canola Growers Association (MCGA), a seasoned non-profit representing...

Nisichawayasihk Cree Nation Case Study

Facing the challenges of transitioning from a past plan, Nisichawayasihk...

Why Work With inVision?

80% of clients become repeat clients, rated 5 stars on google, world-class net promoter score.

inVision Edge is a boutique strategy and innovation consulting firm. We help organizations build strategies, innovate with confidence, and achieve results.

Our expert coaches, with backgrounds in a variety of industries, provide tailored strategic consulting services that align with your unique goals and challenges. We work with you to create, execute, and accelerate your strategic plan or innovative business idea for transformational results.

Book a call to learn more about our strategic consulting services Edmonton!

Strategic planning is a systematic process that organizations undertake to assess their current position and capabilities, define their long-term goals and objectives, and formulate a roadmap to achieve those goals. It involves analyzing internal and external factors that can impact the organization's success, considering market trends, competitive landscape, technological advancements, and potential risks.

Strategic planning typically results in a strategic plan document that outlines the organization's mission, vision, values, goals, and strategies. This document serves as a guide for decision-making and resource allocation across the organization, aligning all activities with the overarching direction set by the strategic plan.

Book a call to learn more about strategy planning Edmonton!

Strategy training and coaching with inVision Edge is geared toward fostering effective execution, enabling organizations to leverage strategic insights, take strategic decisions with confidence, align leadership teams, and achieve tangible results. Our approach combines training with coaching to ensure that the knowledge and skills acquired are applied successfully in real-world scenarios to build strategic thinking capacity in organizations.

Our strategy consultants Edmonton are dedicated to working with you to create, execute, and accelerate your strategic plan or innovative business idea for transformational results.

Purposeful Training for Execution: At inVision Edge, our training is not just about theoretical concepts; it's centred around practical execution. We understand that a well-defined business strategy Edmonton is only valuable if it can be effectively implemented. Therefore, our training focuses on equipping participants with the tools, techniques, and understanding needed to translate strategic plans into actionable steps.

Coaching for Application: Our coaching aspect complements the training by providing ongoing guidance and support. We believe that learning is most effective when it's integrated into daily practices. Through coaching, our strategy consultants Edmonton work closely with individuals and teams, helping them navigate challenges, refine their approach, and stay aligned with strategic objectives. This hands-on guidance ensures that strategies are not just understood but are also successfully put into practice.

Determining if inVision Edge is the right strategic consulting firm for your organization involves evaluating our expertise and approach in the context of your needs. Here's how you can gauge our fit:

Unique Expertise: Consider our areas of expertise, including a personalized approach that encompasses strategy, operations, and culture. If you're looking for tailored solutions that address your organization's specific challenges comprehensively, our approach might align with your goals.

Strategy Alignment: If you're seeking strategy consultants Edmonton who not only provide insights but also focus on practical implementation, inVision Edge could be a good match. Our facilitators have experience in a variety of industries, and we’ll match you with the right expert on our team, with the knowledge and experience to address the strategic challenges and opportunities you’re facing.

Our strategy consultants Edmonton will guide you from strategy creation to successful execution!

Collaboration Preference: If you value collaborative engagement, our emphasis on working closely with your team during the strategic planning process might resonate with your organizational culture.

Long-Term Impact : If you're interested in lasting results, our commitment to sustainable solutions and skill-building will align with your desire for enduring success.

Book a call with us for an initial consultation! We can discuss your organization's challenges, objectives, and expectations. This will provide valuable insights into how our expertise matches your needs.

In the meantime, review our case studies and client testimonials here to gauge our track record in assisting organizations similar to yours! This can give you an idea of how we've helped others achieve their goals.

We distinguish ourselves by tailoring our approach to your specific needs, enabling you to learn and do, rather than just doing it for you.

Our strategic planning process integrates and builds upon existing strategy, operations, and culture, efficiently shaping a tailored, well-rounded plan from the ground up. Our workshops also foster collaboration, empowering you to bridge the gap between strategy and action.

With our seasoned team, we’ll help set you up for practical, enduring solutions, laying the groundwork for you on your path to success.

Step 1: Determine your Purpose It’s critical to start by defining your “Why.” – Why does your organization exist? Does your whole organization have a similar answer to this question or, are they all different? Without this shared vision, competing ideas, goals, and objectives spread through an organization, stifling growth and innovation. Sharing a similar “Why” statement creates a shared vision of the organization’s goals and objectives and provides a strong foundation to build upon. Step 2: Current State Develop a clear understanding of the challenges your organization faces and the opportunities ahead. Step 3: Law of 3’s Plan Design inVision’s strategic planning process drives organizations to create their top three Big Goals, Step Goals for each Big Goal, and Actions that will drive change. Step 4: Determine “Critical Risks” Potential barriers that threaten the execution of the plan are what we call “Critical Risks.” Recognizing and removing/mitigating these barriers not only helps build confidence throughout the team but also gives the team greater chances of success. Step 5: Execution Everyone who has a hand in executing the plan will be empowered by inVision’s framework for accountability process. Using this process makes sure execution is consistent and doesn’t “fall off” due to competing priorities or fires of the week. Step 6: Execution Coaching Using our Target, Track, Breakthrough, Act methodology, your dedicated coach will meet with you one-on-one to deliver targeted support, advice, and tools to help you transition from plan development to execution and achievement of results.

We're confident in the value of the work we do - and we want you to be confident, too. That's why we offer the “inVision Edge Great Things Guarantee.” We want to help you do great things – and we take that very seriously. We approach the engagement outlined in this proposal as a partnership, with each party putting in 100% effort and commitment. We guarantee the deliverables outlined in this proposal, doing our best to ensure your satisfaction. We’re committed to helping you and your team do great things. If you’re not satisfied with the value of the work you’ve received from us, please let me know (contact information below) at any time during the project for a real and honest discussion. We’ll work to exceed your expectations. If we don’t, you can pay us what you feel our services are worth – guaranteed.

In the bustling business landscape of Edmonton, a good strategic consultant can play a pivotal role in helping your organization chart a course toward success.

Business Strategy Edmonton At inVision Edge, we understand the unique challenges and opportunities that Edmonton businesses face. With our expert strategy consultants Edmonton, you can harness the power of strategic planning to elevate your business strategy and achieve remarkable results.

Why Choose Strategic Consulting Services Edmonton?

Customized Solutions: We recognize that no two businesses are alike. We work closely with you to craft strategies that align perfectly with your business objectives.

Proven Expertise: Don’t just choose any strategy consulting firm Edmonton. inVision Edge has a track record of helping businesses achieve their goals and gain a competitive edge using our experience, proven methodologies, and best practices.

Seasoned Strategy Consultants: Our team brings a wealth of experience and a deep understanding of the local business environment. We understand business strategy Edmonton, making us your ideal partner for your strategic plan.

Comprehensive Approach: We offer a holistic approach to strategy planning Edmonton. Our services encompass everything from idea generation to strategy implementation, ensuring you get the complete package.

For Edmonton businesses looking to elevate their strategic game, inVision Edge is your strategy consulting firm Edmonton. Our strategy coaches specialize in maximizing business performance and fostering growth. Book a call with us today and embark on a journey toward strategic excellence.

Create Your Strategy With Speed

The next generation of strategic planning edmonton..

A well-thought-out strategy should be the top priority in guiding your organization. However, the challenge is often in allocating your resources toward creating the strategy itself, leaving little resources left for execution. Contrary to popular belief, it’s possible to create a cohesive, laser-focused strategic plan in just 1.5 days with inVision Edge’s strategy consultants Edmonton. Once your plan is in motion, it all boils down to execution and accountability, where the real magic begins

The inVision Edge Strategy Blueprint offers a straightforward framework designed to propel strategic planning Edmonton forward. The process is simple and leads to an executable and effective plan. It consists of five key steps:

Step 1: Define Your Purpose To begin, you must identify your organization’s “Why.” Why does your organization exist? Is there a shared vision underlying your whole organization, or does each part offer a different perspective? Without a unified vision, conflicting ideas, objectives, and goals can hinder your growth and innovation.

Step 2: Current Assessment Gain a crystal-clear 360 degree view of your organization’s current performance, the hurdles it faces, and the potential opportunities on the horizon.

Step 3: The Law of 3s The Law of 3s guides organizations in identifying their top three Big Goals for the next three years, one-year Step Goals for each Big Goal, and the Actions/Strategic Initiatives that will propel the completion of these Step Goals.

Step 4: Identifying “Critical Risks”  We refer to potential obstacles that pose a threat to plan execution as “Critical Risks.” Identifying and either eliminating or mitigating these obstacles not only instills confidence within your team but also heightens the prospects of success.

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Wrapping up, it’s important to maintain simplicity in your strategy planning Edmonton. Each planning cycle will increase your proficiency and boost your capacity for successful execution. As a result, your success and tangible outcomes will become a foreseeable part of your journey – an exciting prospect for anyone, wouldn’t you agree?

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Edmonton  is known for its business community. It’s no surprise that Edmonton is growing at a fast pace. According to Wikipedia, Edmonton metropolitan is the second-largest city of  Alberta and fifth-largest municipality in Canada. Edmonton’s top industries include energy, agriculture, manufacturing, technology, financial services, and tourism. Like any other business destination, you need proper business planning and a thorough analysis of competition to make your place in Edmonton. To provide your innovation and thoughts with great words, it would be best to hire some professional business plan writer. I work personally with clients to develop their customized business plan that not only secures finances but also makes their dreams a reality.  Here is a quick scope of work for a business plan 

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Home » Articles » Edmonton Business Consultant | Business Plan How To’s

Edmonton Business Consultant | Business Plan How To’s

Creating a business plan is the simplest way to increase your chance of success in businesses Edmonton business consultant. Because businesses that complete the business plan are 50% more likely to grow their revenue. So of having any type of business plan will grow business revenue, imagine how much more effective a great business plan would be in generating revenue for your business? Here are some great best practices and what to include in your business plan and some things to avoid.

The first thing youíre going to want to include in your business plan our cash flow projections. 29% of all businesses said that negative cash flow was a detriment to their business. The way to avoid this is to have cash flow projections in your business plan. This will allow you to see where your business has come from and are easily able to see market trends. It will allow you to plan your cash flow month-to-month, rather than hoping the cash will appear when you need it. When your business is ready to grow, it wonít always wait for your cash flow to be perfect. You may get the opportunity to expand into a bigger building, or you may need to buy raw materials for a large new contract, and hire staff to fill those orders. Without a positive cash flow excepting this new contract may not be possible, stenting your business growth. If you need help creating cash flow projections contact your Edmonton business consultant who will be able to guide you through this process. Depending on what you need your cash flow projections for, you may favour a conservative cash flow projection over highly optimistic plan.

The second thing to include in your business plan is a sales and marketing strategy. Edmonton business coach says at 42% of businesses said that failure to attract new revenue but is their number one failure in business. This is easily overcome by addressing this in your business plan. There are several marketing methods that you may implement, depending on your business, and your ideal client. Your Edmonton business consultant is knowledgeable in this area and can help you plan your marketing strategy with you. Just remember to regularly review your methods and update them on a regular basis. Keeping track of what doesnít work, and taking note of what does will allow you to continue to attract new revenue for years to come.

Something to remember with your business plan is that your cash flow projections may be off, and it is not always possible to predict all potential future events in your business even if you could predict every single event that may occur, you will never be able to predict the significance of these events you and your business. Your business plan is a guide only, what will make it effective is regular reviews of your plan, making necessary adjustments, and updating it as needed. Donít let your business plan sit on a shelf, even the best tools are ineffective if they are not used.

Edmonton business consultant | business plan how toís Creating a business plan is an effective way to affect positive change in your business advises Edmonton business consultant. However, most businesses do not have a business plan and those businesses that do have a plan several of them are rarely updating that plan on a regular basis. The percentage of owners who have a plan in your one is significantly higher than owners who are still updating that plan in subsequent years. A great business plan does not predict every single potential that that may happen in your business, but includes plans to address the three most common pain points businesses face today. Businesses business owners who do not have a business plan also usually do not have an HR strategy within their business. 23% of business owners said that the inability to find the right team for their business was their biggest hurdle. Developing a strategy around attracting and retaining great staff is key in business. If you need help developing your attraction and retention policy, contact your Edmonton business consultant. Examples of an HR policy that works for you, is the always looking method, where you are regularly interviewing candidates for your team. You never know when you will suddenly need a new employee, such as landing a new contract, or if one of your employees leaves. Being ready with shortlisted candidates will eliminate downtime in your business. Once you have a great team you will need a strategy on how to keep them, and how to train them. Company culture does not happen by accident, you want a dynamic team that will help drive your business forward.

Donít worry if you are unable to predict all potential future events in your business plan. This is actually impossible to predict every possible event, or the significance those events might take on your business. Itís not possible to consider every variable because your business plan is not a crystal ball, you may not be able to predict losing key employees, losing key customers, thanks pulling loans, failures of equipment, changes in the market, or how these events may affect your business. The best thing to do is to answer the three main pain points, and know that those three plans will be able to guide you over any hurdle you face.

Another thing to remember when creating your business plan is that you donít need to spend hundreds of hours, and facts the more hours you spend on it tends to give you diminishing returns. This is because we met how much time you spend on your plan itís not infallible, once youíve outlined solutions to the three most common business pain points, your time is much more valuable spending it on your business rather than on your business plan. Take the time you would have spent building your business plan and review it throughout the year suggests Edmonton business consultant. If you do this exercise each year after, the four hours you spend revising your business plan will be much more valuable than 40 hours spent in year one on your business plan.

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• Best for customer satisfaction
• Best for older adults
• Best for long-term care
• Best for high returns
• Best for agent support
• Best for term life
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Best Life Insurance of June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Life insurance is as complicated as the policyholders and beneficiaries who use it. That means there's no single "best" life insurance company. Instead, you can find the best option based on what you want or what you prioritize.

Summary of the Best Life Insurance Companies

• Best for customer satisfaction: State Farm Life Insurance
• Best for older adults: Prudential Life Insurance
• Best for agent support: New York Life Insurance
• Best for long-term care: Columbus Life
• Best for high returns: Allianz Life
• Best for term life: North American Company

Best Life Insurance Companies of 2024

While there is no such thing as the objective best life insurance policy, you will be able to find the best insurance policy for your specific needs. Here are our picks for the best life insurance companies, whether you want to use your life insurance policy to build wealth through cash value or you're just looking for a term life insurance policy .

Best Life Insurance for Customer Satisfaction

State farm life insurance.

State Farm Life Insurance gets the best life insurance ranking in J.D Power's Individual Life Insurance Study, with a score of 843/1,000. The company is also ranked A++ with AM Best for its financial stability with term, universal, and whole life insurance options. 

All State Farm policies have to be purchased through a State Farm agent. Your agent can help you bundle and save or buy one policy. State Farm is also among the companies offering "survivorship universal life insurance ," which means the policy covers two people, and it kicks in after the second person dies. Couples looking to maximize their death benefit for beneficiaries with one premium payment each month may enjoy lower overall costs.

State Farm agents can run quotes and compare options to find the right plans for each applicant. The range of options, discounts, and familiar name all contribute to the popularity of State Farm's life insurance.

Read our State Farm Life Insurance review .

Bundling is standard, and agents often quote with multiple discounts.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Best in JD Power customer service ratings
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers a range of different insurance products to meet buyer needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Agents are knowledgeable about its products
• con icon Two crossed lines that form an 'X'. Life insurance products are conservative and limited
• con icon Two crossed lines that form an 'X'. Buyers may be subject to multi-year waiting periods before they qualify for full payouts on life insurance policies
• con icon Two crossed lines that form an 'X'. State Farm agents cannot offer alternative options if State Farm is unable to bind a life insurance policy

State Farm is one of the insurance industry's most prominent insurers offering auto, home, and other insurance. Bundling is standard, and agents often quote with multiple discounts. Its term, universal, and whole life insurance products are no exception.

• Life insurance products include term and permanent life
• Ranks highly for customer satisfaction

Best Life Insurance for Older Adults

Prudential vul protector life insurance.

Prudential Life Insurance is available in all states except New York. New York residents can buy the Pruco Life of New Jersey VUL Protector plan. This plan allows buyers to pull money out of their plan to pay for nursing home expenses. Cash value policy premiums are fixed, so you won't have to worry about extra costs later on. Internal costs are low, which minimizes risk. Due to age, many older adults want a safe investment option for their money. Prudential VUL Protector invests to avoid loss. That also means you're not as likely to see big increases in your available funds outside of what you deposit.

Read our Prudential Life Insurance review .

Offers aggressive financial plans.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states (New York residents may have different plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can withdraw money to pay for nursing home bills due to severe illness or disability
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable agents who can walk you through your options
• con icon Two crossed lines that form an 'X'. Financial returns are limited
• con icon Two crossed lines that form an 'X'. Limited policy options for seniors and other groups who might struggle to find life insurance

The aggressive financial plans offered by Prudential may appeal to many younger buyers and those with a stable income. However, those with lower income or buyers who aren't sure about the financial system may be more hesitant to engage with Prudential. Like many other industry giants, Prudential is working to change this perception.

Best Life Insurance for Long-Term Care

Columbus life insurance.

Columbus Life offers a wide range of riders to customize your policy with affordable premiums. The company also allows you to convert term policies to whole life insurance policies until the end of your term (generally around age 70). For this and many other reasons, customer satisfaction is high.

When using living health benefits (otherwise known as accelerated death benefits), buyers are allowed to pull money from policies early to pay for medical bills, living costs, etc. under certain circumstances. Most companies use a discounted death benefit, which reduces your final payout using two models. Columbus uses the lien method, which makes it easier to calculate the financial impact of pulling money out early.

Offers lien method to makes it easier to calculate the financial impact of pulling money out early.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can pull money out for medical and other bills in the event of disease or disability
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Columbus uses lien method to simplify accelerated death payments
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company offers a wide range of riders to customize policies
• con icon Two crossed lines that form an 'X'. Premiums may be higher than competitors
• con icon Two crossed lines that form an 'X'. Term policies are not guaranteed to be converted to whole

Best for long-term care and accelerated death benefits.

Best Life Insurance for High Returns on Income

Allianz life insurance.

Allianz Life plans are geared towards high-income adults looking for more tax-free income. Allianz offers a 40% multiplier bonus with a 1% annual assets charge. In short, the professionals managing your investments take 10%. Overall, your investments would pull in an extra 14%-1% asset charge. This means you end up with 3% more than what you deposit every year your life policy is active. This plan offers strong returns when using a life policy to supplement your retirement savings. Allianz also offers specialized plans to grow your income by as much as 20% according to some estimates.

Of note: Allianz also offers plans for foreign nationals, including those with H-1B visas.

Offers life insurance policies for foreign nationals with H-1B visas.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans offer high returns on investment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great for investment and long-term retirement planning
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. May increase your income by as much as 20%
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Allianz offers plans for foreign nationals including H-1B visas
• con icon Two crossed lines that form an 'X'. Plans are meant specifically for high-income adults, alternatives may not be offered

Best for investing and high returns on income.

Best Life Insurance for Agent Support

New york life insurance.

New York Life Insurance agents go through extensive training before they ever hit the sales floor. What does this get you? Policies vary widely, and New York Life offers both large and small payouts. Some policies have significant penalties for early withdrawal, but taking a loan offers more options. Whatever your questions, New York Life agents are trained to offer comprehensive support giving you accurate information about its policies every time. The company comes in at position eight in J.D. Power's latest life insurance customer satisfaction study.

Read our New York Life Insurance review here.

Offers aggressive financial products and extensively trained agents.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong life insurance options for financial planning and wealth building
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policies available nationwide
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Knowledgeable life insurance agents
• con icon Two crossed lines that form an 'X'. May require a medical exam
• con icon Two crossed lines that form an 'X'. Buyers looking for more modest policies may not find the most competitive pricing

If you're preparing for a comfortable retirement or looking to build generational wealth, New York Life is one of the strongest options. If you have questions or genuinely want to understand your life insurance options, New York Life agents are among the most qualified professionals in the business.

• Life insurance provider with policies available across the US

Best Life Insurance for Term Life

North american life insurance.

North American Company offers term policies alongside accelerated death benefits for critical, chronic, and terminal illnesses and more. The company allows one conversion on a 20-year policy at 15 years or 70 years old (whichever is earlier). The conversion cannot happen later than the five-year marker regardless of which policy you choose or the length. North American Company also offers a term policy with a lower premium renewable up to the age of 95 for qualifying insureds.

Offers term policies alongside accelerated death benefits for critical, chronic, and terminal illnesses and more.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers accelerated death benefits for critical, chronic, and terminal illnesses
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers conversion for life policies up to 70 years old
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Term policies can be renewed up to age 95 for qualifying applicants
• con icon Two crossed lines that form an 'X'. Not all term policies qualify for renewal or conversion

Best Term Policy.

Types of Life Insurance

While there's many different types of life insurance policies , broadly speaking, there are two types of life insurance: temporary and permanent. Let's go over each in detail.

Temporary life insurance

Temporary life insurance is often called term life insurance. This type of policy covers you for a set amount of time before expiring, usually between 10-30 years. If you pass away after your policy expires, your family won't receive any benefits. Additionally, your policy won't accrue cash value like a permanent policy. That said, some term life insurance policies offer a conversion from term to whole life insurance, so you can extend your coverage. 

Because its benefits aren't guaranteed, term life policies are generally cheaper than permanent life insurance. That said, the vast majority of term life insurance policies never pay out. on

Permanent life insurance

Permanent life insurance is an umbrella term for a variety of life insurance policies that will insure you indefinitely and guarantee a payout as long as you maintain your policy. Policy types that fall under permanent life insurance includes:

• Whole life insurance
• Universal life insurance
• Variable life insurance
• Variable universal life insurance
• Simplified life insurance
• Guaranteed issue life insurance

These policies vary widely in purpose and intended buyers, but all guarantee death benefits to your loved ones. Some permanent life insurance policies, like whole, universal, and variable have a cash value component , which you can use as a savings tool or to leave your heirs a larger death benefit.

How to Pick the Best Life Insurance Policy for You

Finding the right fit in life insurance starts with finding a trusted insurance agent. Because there are so many state regulations, shopping for homeowners or auto insurance can be easily done online. Life insurance is not required. So it's a voluntary purchase. Many buyers don't know what they need or when they need it. Before making your selection, consider a few things:

Some companies will sell you a policy for your child as soon as they're born. While this may seem morbid, early sign-up means lower rates for a policy your child could enjoy in the future. Regardless, early sign-up equates to more policy for lower premiums and a higher likelihood of acceptance. At 20, you may be healthier and be able to pay into the policy for a longer period compared to when you're 50 with more age-related conditions.

As a general rule, never agree to more than you can afford. For the average life insurance agent, their job is to sell you a large policy with a large commission. Consider not only how much you make now, but how likely your current income is to continue. If you work on a project basis and your project is scheduled to end in 12 months, you may want to reconsider a policy premium outside your monthly savings.

How much are you prepared to buy? Some people only want a small policy to cover funerals and other end-of-life expenses. Others build a life policy into their retirement plan. Whatever direction you're going, involving a financial planner could help you make the right decisions. Depending on the carrier, customers can also compare set limits with index universal life policies, which set no limit. These policies never expire, and the value builds over the entirety of your life.

Living Benefits

Life happens unexpectedly. You could be healthy one day and in the hospital the next. Many life policies offer living benefits. These allow you to draw a limited amount out of your policy to cover medical and other bills you cannot pay while sick.

Much like a 401(k), many life insurance policies have penalties for early withdrawal. No matter what policy you want, this question is critical to an informed decision. It's a question of how early you can withdraw and how much you'll lose from the total to have the money in 10 years instead of 30 or after death.

Some policies require insured parties to pay premiums for at least one year before any significant payout would be available. Suicide exclusions are common. Even with no medical exam policies, the company may still do a check for known conditions. An insurance company has to mitigate its risk.

Flexibility

Once you've been denied a life insurance policy, a mark goes on your record. No matter the reasons, other insurance companies may deny you coverage based on the first denial. So consider your whole situation and choose your policy carefully before you submit any applications. Some policies have greater flexibility if you lose your job or otherwise can't make payments. Others will lapse if you miss even one payment.

Payment Type

Even within whole life or term life insurance policies, customers have the option to choose guaranteed fixed or variable rates. Some have guaranteed payouts, but you'll need to ask your agent for details.

What is your intended use? Why are you shopping for a life insurance policy in the first place, and what are your goals? Many successful financial planners also have a background in life insurance. So while they may not be able to find you a specific life insurance policy, financial planners can help you set out a blueprint for your purchase.

Why You Should Trust Us: How We Reviewed the Best Life Insurance Companies

In life insurance, it's easy to get "sold a bill of goods." Many life insurance agents pass a state test to be thrown into the deep end. Agents sell the company product, but not all know the products. In this vein, we look at the products each company offers. We also look at agent training.

A good life insurance agent may not volunteer all facts upfront. But a company's agents should answer questions about its products accurately and in a way the average consumer can digest. Agents should be able to inform you about the long-term benefits and limitations. This will help customers find the right policy for their long-term plan.

We consider affordability, policy sizes available, and performance for a comprehensive assessment in our life insurance rating methodology . If you can, we recommend also working with a financial advisor to make a plan for your future with life insurance.

Our Expert Panel for The Best Life Insurance Companies

To inform our choices for the best life insurance companies, we spoke with the following experts:

• Paul LaPiana , head of product at MassMutual
• Barbara Pietrangelo , CFP, CLU, and chair of the nonprofit Life Happens
• Wykeeta Peel , Corporate Vice President and Market Manager, African American Market Unit at New York Life

The Experts' Advice on Choosing The Best Life Insurance for You

How much life insurance coverage do you believe the average buyer should have.

Paul LaPiana, Head of Product at MassMutual

"There are different approaches to determining how much life insurance you need. One is the 'human life' approach, which estimates the current value of your future earning potential. Another is securing specific coverage to pay off debts such as a mortgage or provide for the education of children. A comprehensive protection plan should provide the right amount of coverage over the course of your working life and into retirement."

Barbara A. Pietrangelo, Chair of Life Happens

"There is no one-size-fits-all life insurance policy because everyone is different. One way to get a rough estimate is to multiply your income by 10 to 15; another is adding $100,00 to that amount, should you have a child and anticipate college education expenses.

Your best bet is to talk to a financial professional or use the Life Insurance Needs Calculator on LifeHappens.org to analyze what's right for you."

Wykeeta Peel, Corporate Vice President & Market Manager African American Market Unit at New York Life

"As you consider what policy best meets your needs, it can help to answer four key questions: First, how much death benefit do you need? Second, how long will you need that coverage? Third, what is your budget (or how much monthly premium can you afford to pay?), and finally, what is your investment risk tolerance?

To determine how much death benefit makes sense, it's helpful to think beyond using life insurance to cover funeral expenses and consider whether anyone is relying on the policy owner's income to maintain a lifestyle, pay rent or a mortgage, or fund a child's education and for how long.

There are various rules of thumb regarding the right amount of Life insurance coverage. Some tips can be found online, but they only provide an estimate and don't necessarily factor in an individual's specific needs. In my opinion, human guidance, powered by technology, is required. Basically, it comes down to how much money your loved ones would need to remain on firm financial ground if your earnings were no longer in the picture and that is different for everyone."

What is the biggest opportunity you see for improvement in the life insurance industry?

"Increased accessibility through digital and other channels as well as through underwriting enhancements. Increased tailoring of products and features. And an increased emphasis on health and wellness programs."

"Having enough qualified insurance professionals to walk potential buyers through the multiple benefits of life insurance will be pivotal to the growth of the industry. Education is a key factor here, as professional agents also need to be able to explain life insurance and its benefits in an easy, digestible way, especially when there are so many misconceptions about life insurance."

"The need for life insurance is greater than ever. In fact, a recent New York Life Wealth Watch survey found that 37% of adults have been thinking about life insurance more often these days – and half of adults report that financial products that provide protection (50%) and reliability (50%) are more important now compared to last year. This may be especially true for middle-market and Cultural Market families.

Our organizational structure of having Cultural Market agents embedded in the communities where we live and work allows us to understand the needs of diverse communities and develop solutions that resonate with them."

What advice would you give to buyers who are debating whether or not to buy life insurance?

"It is difficult to say with any certainty how healthy you will be years from now. That's why securing life insurance, and insuring your insurability, today, when you are the youngest you'll ever be again, and perhaps your healthiest is a wise decision."

"Do you love someone? If the answer is yes, then life insurance is certainly something you should consider. Many buy gifts and experiences to express their love, but haven't considered that life insurance is just another way to say I love you. Nothing says support like ensuring your family's financial security and peace of mind."

"If you have someone depending on your income, you should consider purchasing life insurance. A death benefit from a life insurance policy can replace income from the loss of a breadwinner, ensure a family can stay in their home, fund educational or retirement expenses, address debt and so much more.

A life insurance policy can also help you grow your family's wealth over time. Once the risk of an unexpected loss has been managed, you can begin to think more broadly about your family's financial future. Life insurance can enable your mindset to shift from death to growth."

What's the most important thing buyers should look for when choosing a life insurance agent/company to buy from?

"With life insurance, you are securing a future commitment that may be decades away. Research the company behind the policy to ensure it has high financial strength ratings, longevity, and an excellent track record of paying claims."

"When looking for an insurance agent or company, be sure to do your research. When comparing companies, be sure to remember that the policy features that fit you and your loved ones best is the most important factor. Don't automatically assume you should buy from the higher-rated company.

If the policy from the other company has more of what you're looking for, it might be the better choice. If you're unsure where to start, try the Life Happens Agent Locator to find an insurance professional in your area."

• "The insurers' track record: At its core, life insurance is protection - a hedge against the unexpected - and you are paying premiums in exchange for the promise that the insurer will be there when you need them, so the financial strength and track record of the company backing your policy is critical.
• Customer service: Are service professionals available by phone and digital channels? Is there is an online dashboard where you can manage your policy? Beyond ensuring assistance is available after you purchase a policy, it's also critical to ensure you have access to trusted advice and guidance before you buy.
• Flexibility in conversion: How easy is it to change? Life can be unpredictable and while term insurance can cover your loved ones through a critical period of time, you may decide that access to cash value is an important piece of your strategy.
• Accelerated online applications : Online applications are convenient but don't replace human guidance. Keep in mind that accelerated online applications may have a maximum coverage amount, meaning that you may not be able to get all the coverage you may need exclusively through an online process.
• A range of payment options: It's important to understand how often you're required to make premium payments and whether and how often you can change the frequency of payments."

Best Life Insurance FAQs

According to JD Power's 2023 life insurance study, State Farm is the highest-rated life insurance company when it comes to overall customer satisfaction. However, you still may want to shop around for quotes from various insurers if you're looking to purchase a new policy.

There isn't one best life insurance company, because the best option for you will depend on the type of policy you're looking for. It's best to work with a qualified insurance agent to help you find the best coverage. If you're deciding between multiple similar options, it's also worth consulting J.D. Power's life insurance customer satisfaction study . The latest study ranks State Farm as the top pick for individual life insurance, outpacing Nationwide by three points.

The best type of life insurance policy for you will differ from someone else's, as your policy should be tailored to your needs. The best policy for you will be affordable and will offer the benefits best suited to your situation. For example, some policies are only meant to cover end-of-life expenses such as burial and funeral arrangements, whereas others include living benefits like a cash value insurance plan , which you can borrow against during your lifetime.

Some life insurance policies are advertised as "no medical exam." This doesn't mean the insurer won't ask you about known conditions or look at medical records. Policies with no medical exam also tend to offer lower benefits with higher premiums. Most companies have a network of medical examiners, some of whom can come to your home. You can find our guide on the best no exam life insurance here.

Each situation is different and requires a knowledgeable life insurance agent to assess your best options. Bring all your questions and the coverage you're looking for to an insurance agent near you to explore your options.

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