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Top 7 Financial Plan Templates with Examples and Samples

Prachi Soni

A financial plan is indispensable for both individuals and corporations. A well-crafted financial plan serves as a road map for achieving financial goals, managing income and expenses, and making sound investment, savings, and budgeting decisions.

Creating a financial plan from scratch, however, is a scary task. This is when financial plan templates come in handy. 

As the starting point for a prosperous financial path, this article will examine the top seven financial plan templates, examples, and samples.

Each of the templates is 100% customizable and editable. The content-ready nature provides you with a starting point and a structure, the editability feature ensures the presentation can be tailored to unique audiences. 

Seven Comprehensive Financial Plan Templates to Meet Objectives

Discover the key to financial success with our carefully curated selection of top seven financial plan templates, with real-life examples and samples. From budgeting and saving strategies to investment plans and retirement goals, each template offers a comprehensive framework tailored to specific financial objectives.

Template 1: Financial Planning PowerPoint Presentation Slides

A Financial Planning PowerPoint Presentation Slides Template helps presenters create an engaging and visually compelling presentation on budgeting, financial strategies, retirement planning, risk management, and more. By using this slide in your presentations on topics related to financial management, you will be able to save time and reduce required effort. Use this presentation template to showcase your expertise in 12 major segments of finance, including time value of money, inventory management, financial risk management and KPIs and dashboards that depict whether your financial plan worked or not .  Master financial statements like those on income, cash flow and undertake a trend analysis as well. Even ratio analysis is covered. Take your financial planning presentations to the next level! Download this presentation template today!

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Template 2: Financial Planning PowerPoint Template Bundles

Pitch yourself using this PPT slide to engage buyer personas and increase brand awareness. Due to the excellent graphics and content, these Financial Planning PowerPoint Template Bundles are perfect for interacting with your audience. This helps you present your financial planning and related topics effectively. Our ready-to-use slides are helpful for large and small companies. With these slides, you can easily explain your actual and budgeted expenses and income. Download it right away without any more delay.  

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Template 3: Financial Planning Process Trusting Relationship Finance Information Analysis

This template provides a comprehensive framework for presenting fundamental concepts and steps involved in financial planning. It includes visually appealing slides covering goal setting, data collection, risk assessment, investment analysis, review & reports, and monitoring progress. Moreover, this template emphasizes trusting relationships with clients or stakeholders. Download now and become a standout presenter in the world of finance!

Template 4: Evaluating Company Overall Health with Financial Planning and Analysis PowerPoint 

This PowerPoint template will boost your financial analysis presentations. This extensive deck covers many crucial financial planning and analysis topics. Introduce financial planning and your financial planning and analysis team. This template lets you demonstrate your expertise in assessing a company's financial health and providing insights for informed decision-making. Download now to enhance financial planning and analysis presentations.

Template 5: Financial Planning and Analysis Guide for Small and Large Businesses PowerPoint  Presentation Slides

Chief financial officers (CFOs) will glean and provide pertinent business insights to their CEOs and other stakeholders for informed decision-making, where the role of money is significantly important. This is where our financial planning and analysis presentation comes into play. It will help businesses track financial health of their organizations and provide reliable guidance to business executives. The slides within the template are designed to be informative, visually appealing, and easy to understand . Download our expertly-crafted template and lead your company to more excellent financial health and success!

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Template 6: Client-Centric Financial Planning Process PowerPoint Presentation Slides

Professionally designed to illustrate the client-centric financial planning process, the "Client-Centric Financial Planning Process PowerPoint Presentation Slides" are available for your next presentation. The purpose and benefits of financial planning are outlined in our PowerPoint presentations, which may be used to brief personnel. Professionals may wow clients with their ability to assess their needs, coordinate their efforts, and deliver customized, bespoke financial solutions using these slides in their presentations. Download our PowerPoint Presentation today to impress your audience!

Template 7: Financial Planning in Healthcare PPT Presentation Slides

Use this slide to implement best practices and establish monitoring criteria. Use our hospital budget planning PPT Templates to showcase latest financial trends in the healthcare sector, including value-based payments, data analytics, and upgraded financial leadership models. Compare current healthcare costs to future projections. Drive economic efficiency and stay ahead in the ever-evolving healthcare landscape. Download now and revolutionize your healthcare financial planning presentations.

TAKE CONTROL OF YOUR FINANCIAL FUTURE

This blog post reviewed top seven financial plan templates with examples. It improves financial planning for individuals and businesses. These templates can accommodate many needs and interests with features like thorough financial analysis and client-focused methods.

Remember that you need a sound financial plan to meet your financial goals, lower risk, and secure your future. It aids decision-making, adaptability, and financial success.

Choose the most effective option, make it your own so you can achieve your goals, and make the most of your financial planning procedure.

Take control of your financial future today! Discover the essential steps of personal financial planning and unlock the key to financial security. Download our comprehensive guide on How to Do Personal Financial Planning to Secure Your Future .

FAQs on Financial Plan Templates

What is a financial plan example.

A financial plan example is a sample or template demonstrating how a comprehensive financial plan is structured and organized. It includes components and sections that covers varied aspects of personal or business finances.

What are the seven categories of a financial plan?

A comprehensive financial plan covers many critical areas of a person’s or organization’s financial goals and plans. Seven financial plan types are:

• Cash Flow Management : A stable financial situation is maintained by making a budget, keeping track of income and spending, and managing cash flow.
• Includes insurance , money for emergencies, and planning to manage risks, if something goes wrong. 
• Investment planning is the process of deciding how to make money through investments based on goals, risk tolerance, and time frame.
• Planning for retirement : Retirement planning is calculating how much money you’ll need to retire comfortably, planning out how you'll spend your time in retirement, and sticking to that plan.
• Tax Planning : Tax deductions, tax credits, and tax structures that are easy to understand can help lower your tax bill.
• Estate planning includes using wills, trusts, and powers of attorney to give away assets after death and keep taxes as low as possible.
• Financial Goals and Objectives : In this area, you can set financial goals like buying a home, paying for school, or starting a business and plan to reach them.

What are the five components of a financial plan?

A financial plan usually comprises a few essential parts that work together to make a complete plan for reaching financial goals. These are: 

• Financial Goals : Clear financial goals give the plan direction and a reason for being. Some goals are short-term, like paying off debt, and some are long-term, like saving for retirement or a child's college. 
• Budgeting and Cash Flow Management : Making a budget help keep track of income and spending, which lets people or groups use their resources in the best way possible. By looking at cash flow, you can see where you can save money, pay down debt, and build an emergency fund.
• Risk management : This part concerns keeping yourself safe from possible threats and uncertainties. It involves figuring out what kind of insurance you need (e.g., life, health, property), checking what you already have, and thinking about ways to reduce financial risks, like emergency funds and backup plans.
• Planning for investments means coming up with a plan to make money grow over time. This part looks at risk tolerance, time frame, and financial goals to determine the right asset allocation and investment tools (like stocks, bonds, and mutual funds). 
• Planning for retirement : Planning for retirement ensures you have enough money when you stop working. It involves figuring out how much money you will need in retirement, how much you can save, how much you can contribute, and choosing retirement accounts like 401(k)s and IRAs.

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35+ Best Finance PowerPoint PPT Templates (Financial Presentations)

Big numbers and data play an important role in every financial PowerPoint presentation. It’s how you validate and prove your claims.

But the way you present the data in your PowerPoint slides is the key to delivering a successful presentation.

Whether it’s a pitch deck for a financial project, a yearly financial report, or promoting a finance consulting firm, your presentation slides need to be designed in a way that makes your statements and data easy to understand.

Of course, not everyone has the time or the experience to design over-the-top presentations. And thanks to pre-made PowerPoint templates, you don’t have to.

We handpicked a collection of financial PowerPoint presentation examples that you can use to find inspiration for your slideshow designs. The best part is you can download these templates to make amazing finance presentations within minutes. Have a look.

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Investor – Financial Consulting PowerPoint Template

This PowerPoint template is designed with financial consulting firms and agencies in mind. It’s perfect for making presentations for showcasing your business as well as for promoting your services. The template includes 30 unique slide layouts with useful designs including pricing tables, charts, editable graphics, and more.

Financial Pitch – PowerPoint Presentation Template

If you’re working on a pitch deck design for presenting a financial project, you can take inspiration from this PowerPoint template. It includes 30 must-have slides for every pitch deck presentation. And you can easily download and customize each slide to make your own pitch decks as well.

Financy – Financial PowerPoint Template

Financy is a multipurpose PowerPoint template that you can use for all kinds of finance-related presentations. It includes 40 unique slides with flexible designs. You can edit them to make unique layouts for financial reports, agency portfolios, business profiles, and much more. You’ll also find editable graphics, device mockups, and charts for making your presentations more convincing.

Investment & Financial Consulting PowerPoint Template

Making slides with a clean and minimal design makes it easier to give more attention to the text, quotes, and data in a presentation. This PowerPoint template is designed with that goal in mind. It features 32 different slides with clean designs. The slides also include editable graphics, image placeholders, and more.

Dashi – Financial Dashboard PowerPoint Template

If you want to create financial dashboard slides to showcase data and statistics in visual form, this template will come in handy. Dashi is a PowerPoint template that features a collection of financial dashboard layouts. Each slide in the template has fully customizable charts and graphs for showcasing data with attractive designs.

Sales Planning – Free Finance PowerPoint Template

This is a free PowerPoint template you can use to create presentations related to the sales planning process. It gives you 35 different slides to choose from to create powerful and effective presentations. It also features charts, graphs, and infographics as well.

Financo – Financial Technology PowerPoint Template

Financo is a modern PowerPoint template you can use to craft presentations related to finance and technology. It comes with 25 different slides with colorful and highly visual designs. You can easily edit them to change colors, fonts, and images too.

Finance Company PowerPoint Template

This PowerPoint template is made for financial companies. It has 20 unique slides you can use to make various types of presentations for financial reports and monthly meetings. The template has master slides and image placeholders as well.

Fintech Finance PowerPoint Template

You can use this PowerPoint template to design presentations for fintech startups and businesses. There are 40 different slides in this template that come in both light and dark color themes. They include editable graphics and changeable colors.

Coins – Finance PowerPoint Template

This PowerPoint template includes a set of professional slides that are ideal for making corporate finance presentations. It has 30 different slides that have modern and simple designs. The slides are available in 3 different color themes and in light and dark versions.

Financial Meeting Free PowerPoint Template

This is a free PowerPoint template you can use to create attractive presentations for your financial meetings. There are 20 slides included in this template and it comes in Google Slides format too.

Fintech – Payment Finance PowerPoint Template

Just as the title suggests, this PowerPoint template is made with fintech startups and businesses in mind. It has a modern and attractive design you can leverage to create attention-grabbing slideshows to talk about finance tech topics.

Investment – Finance PowerPoint Template

This PowerPoint template has the perfect design for making presentations for investment-related topics. There are 30 unique slides in this template with fully editable layouts, changeable colors, image placeholders, and more.

PerfectPitch – Investor Pitch Deck Powerpoint Template

The colorful design and its sleek layouts make this PowerPoint template a great choice for creating pitch decks for finance-related projects. It includes 40 unique slides with editable graphics and free fonts.

Finova – Financial & Business PowerPoint Template

A bold and professional PowerPoint template for creating business and finance presentations. This template comes with more than 27 unique slides with master slides, free icons, and editable graphics.

Tax Agency – Free Finance PowerPoint Template

Download this PowerPoint template for free to create slideshows for all kinds of tax-related presentations. It includes 21 different slides with colorful designs and an icon pack with 500 icons.

Financial & Data Consulting Free PowerPoint Template

This PowerPoint template includes a complete toolkit for creating presentations for financial consulting firms. In addition to its unique style of slide design, this template comes with a total of 51 slides full of editable graphics and icons.

Finance Pitch Deck PowerPoint Template

Another minimal and clean PowerPoint template for designing effective pitch presentations. This template is ideal for presenting your ideas and financial plans in an attractive way. You can choose from 30 different slide layouts to create various types of financial pitch presentations.

Finzo – Finance PowerPoint Presentation

Finzo is a PowerPoint template for making company profiles and portfolio presentations. And it’s specially designed for finance-related businesses. The template has 30 slides with fully customizable layouts, editable graphics, image placeholders, as well as master slide layouts.

Alaza – Financial PowerPoint Templates

This PowerPoint template comes with a creative layout that allows you to make presentations for financial consulting firms and agencies. It includes a total of 40 slide designs with editable colors, vector icons, device mockups, master slides, and vector graphics. You can also change the images and fonts to your preference as well.

Apollo – Modern Finance PowerPoint Template

Apollo is another colorful finance PowerPoint template that comes with slides full of gradient colors. The creative and colorful design of these slides will surely help make your presentations stand out from the crowd. It includes 40 slides with fully customizable layouts as well as editable graphics, image placeholders, and more.

Profit & Loss – Finance PowerPoint Infographics Slides

This slides template pack is a must-have for showcasing your data in visual form. It includes 33 different infographic slides you can use to create charts and graphs for presenting statistics on profits and losses. Each slide is available in 12 different color schemes and you can also change colors and text with just a few clicks.

Microfinance – Free Financial PowerPoint Template

Just as the name suggests, this free PowerPoint template is designed with microfinance presentations in mind. It includes 12 different slide layouts that you can easily customize to create your own beautiful presentations.

Finance & Investment – Free PowerPoint Template

With 25 different slides to choose from, this free PowerPoint template includes everything you need to design an effective presentation for your financial meetings and events. Each slide can be easily customized to your preference as well.

Financial Report PowerPoint Presentation Template

Creating financial reports usually involves lots of diagrams, pie charts, and timelines. The good news is this PowerPoint template has them all and more for creating effective financial report presentations. It includes a total of 130 slide designs that are available in 50 different XML color themes, as well as light and dark designs.

Finanza – Finance PowerPoint Template

This PowerPoint template is perfect for making company profile presentations for showcasing your financial consultancy firms, agencies, and businesses. It lets you choose from 45 different slide layouts that include changeable colors, editable vector graphics, image placeholders, and more.

Fund Investing Finance PowerPoint Template

If you’re working on a PowerPoint slideshow to present the financial data related to investing or funding rounds, this template is made just for you. It features lots of highly visual and colorful slides for showcasing stats and data in creative ways. There are 65 different slide designs included in this template.

FINCASH – Finance & Consulting PowerPoint Template

Fincash is a PowerPoint template made with modern finance consulting firms in mind. It features a set of beautiful slide layouts with professional layouts. There are lots of charts, graphs, and infographics for visualizing data. You can also choose from more than 60 different slides to create unique presentations.

Finance Infographics PowerPoint Template

Looking for clean and professional infographic templates for showcasing your data in visual form? Then be sure to download this PowerPoint template. It comes with a total of 60 infographic slides with charts and timelines for presenting your data in different ways. Each slide is available in light and dark color themes and they can be easily customized to your preference.

Investment Business Free Financial PowerPoint Template

This free PowerPoint template uses a simple and minimal design for making financial and investment presentations. It includes 30 unique slides with minimal colors. You can also edit the slides to change colors and images as well.

Free Finance Infographics PowerPoint Templates

This PowerPoint template includes a collection of creative and colorful infographic slides for presenting different types of data and statistics. There are 30 different slides included in this free template. And it’s also available in Google Slides format.

Banc – Business & Financial PowerPoint Template

Banc is a professional PowerPoint template designed for making all kinds of business and financial presentations. It comes with 30 different slide layouts that include company profile slides, team management slides, charts, graphs, and more.

Financie – Finance PowerPoint Presentation Template

With this PowerPoint template, you can create modern slide decks for delivering powerful presentations. It’s especially suitable for creating presentations related to the latest trends in finance, cryptocurrency, trading, and more. The template has a total of 150 slides, featuring 30 slides in 5 different color schemes.

Annual Report – Business & Finance PowerPoint Template

This PowerPoint template is great for making various annual report presentations, including financial reports. It features a total of 34 unique slides with fully editable designs. You can also include pyramid charts, graphs, timelines, and more in your presentations with pre-made slides in the template.

Financial Planning & Investment PowerPoint Template

You can use this PowerPoint template to create more sophisticated presentations for financial planning and investment management meetings. It includes 10 carefully crafted slides that are useful in presenting your data and ideas.

For more professional templates, you can check out our best business PowerPoint templates collection.

Create a Perfect Financial Slide (Tips Examples & Templates)

Learn to create engaging financial slides for startup pitch decks with insights from top examples. Discover digital tools to enhance your presentation.

6 minute read

helped business professionals at:

Short answer

What is a Financial Slide in a Pitch Deck?

A financial slide in a pitch deck provides a snapshot of a startup's current financial status and future projections. It showcases key metrics like revenue, expenses, and profitability, offering investors insight into the company's monetary health and growth potential.

How to Craft an Artful yet Scientific Financial Slide for Your Pitch Deck

Creating a financial slide for your pitch deck necessitates a blend of investor assurance and financial foresight demonstration.

Begin by constructing robust financial models, and employ clear, visually engaging elements such as bar graphs, line charts, and pie charts to depict crucial metrics including projected revenue, expenses, EBITDA, and cash flow for the upcoming 3 to 5 years.

These visual elements not only enhance comprehension but also make data digestible, ensuring investors remain engaged during the presentation.

It's imperative to clearly state the underlying assumptions behind your projections, and when feasible, juxtapose them with industry benchmarks to provide a comparative perspective.

Let’s delve into why it’s pivotal and how you can master it.

Why is the Financial Slide Crucial in a Pitch Deck?

The financial slide in a pitch deck is crucial as it offers a clear picture of a startup's financial health and future prospects.

It helps investors gauge the viability and potential return on investment, building trust and making the funding pursuit compelling and convincing.

5 benefits of having a well-constructed financial slide in your pitch deck:

Investor Assurance: Gives a clear view of financial viability and revenue potential.

Strategic Planning: Aids in aligning financial goals with business strategy.

Performance Metrics: Showcases key financial benchmarks for growth monitoring.

Risk Assessment: Helps in evaluating and mitigating financial risks .

Future Funding: Lays a financial foundation for securing further investments.

What is the Importance of Portraying Financial Health?

Portraying financial health goes beyond just showing what you have in the bank. It's about how well you manage resources, generate revenue, and plan for future growth.

Use realistic projections, backed by solid data.

Highlight past financial milestones, if any, to build credibility.

When discussing feasibility, it's about showing your understanding of the market and how you plan to maneuver your startup in the midst of financial uncertainties.

Dropbox's Pitch Deck Example: Dropbox effectively illustrated user growth alongside revenue projections, painting a compelling, credible financial narrative that enthralled potential investors.

What Constitutes the Core of a Financial Slide?

The core of a financial slide rests on simplicity, truth, and foresight.

Avoid financial jargon, be transparent with your current financial status, be realistic with projections, and showcase a well-thought-out financial strategy for the future, to craft a compelling narrative for potential investors.

6 basic components of a financial slide:

1) Balance Sheet Overview

The balance sheet is your financial snapshot, showcasing your assets, liabilities, and equity. It should be simple, clean, and easy to digest at a glance.

Use visual aids like graphs or pie charts to represent the data.

Show a brief comparison with industry standards or competitors if possible.

2) Income Statement Summary

This section demonstrates how your company has performed over a specific period.

It clearly depicts your revenue, expenses, and net income , providing a transparent financial snapshot for potential investors to scrutinize.

3) Financial Projections

Financial projections are where you get to shine a light on your foresight. It's where you paint a picture of financial growth and stability.

Back your projections with data, market trends, and a solid business strategy.

4) Marketing Budget Estimation

Your marketing budget is a reflection of your understanding of the market and your strategy to penetrate it.

Example: Showing how a specific percentage of your budget will be used for different marketing strategies and the expected ROI can be helpful

5) Growth Projection

Growth projections should mirror your ambitious yet achievable targets, laced with a realistic timeline.

Tip: Align growth projections with industry standards and market trends.

6) Gross Profit Margin

This metric showcases the efficiency of your business model, where a higher margin indicates better efficiency and potential profitability.

Compare with industry averages to show your standing.

Highlight any positive trend in improving this margin.

Share strategies to enhance this margin in the future.

3 Expert Advice to Make Financial Slides Easily Digestible

Complex financial data can be challenging to navigate, but with the right approach, it can be made digestible, engaging, and informative.

1) Visual Representation

Charts, graphs, and infographics are excellent tools for simplifying complex financial data.

Incorporating interactive tools is essential as they engage investors better, allowing them to explore data at their own pace, and providing a deeper understanding of your financial narrative.

2) Simplification of Financial Terms

Avoid jargon and use simple terms to explain your financial position and projections. If a term needs to be used, explain it briefly.

In case a term like "EBITDA" must be used, briefly explain it as, "a measure of a company's operational performance, excluding costs of capital investments and tax implications.

Tip: A glossary slide at the end can be useful for investors to refer to.

3) Consistent Formatting

Maintain a consistent format for presenting financial data to help the audience follow along without getting lost in varying styles or formats.

Your pitch deck is a gateway to endless possibilities, and the financial slide is its cornerstone.

Getting it right means you're a step closer to making your startup dream a reality.

2 Exemplary Financial Slides from Renowned Pitch Decks

Observing and learning from the success stories in the startup ecosystem can significantly aid in honing your pitch deck.

Several renowned startups have excelled in portraying their financial narratives creatively and effectively.

Key insights:

Benchmarking Success: Examining successful pitch decks can provide a benchmark for creating an engaging financial slide.

Storytelling through Numbers: How numbers are not merely figures but narrators of a company's journey and potential.

For enhanced storytelling in content design , merge text, images, and multimedia into engaging "scenes." Segment your content, add multimedia, and let readers control pacing for optimal experience.

Here are 2 examples of effectively showcasing revenue growth:

1) Dissecting Dropbox's Revenue Projection

Dropbox’s pitch deck was a masterpiece in displaying a clear revenue projection alongside user growth, making their financial narrative compelling.

The correlation between user growth and revenue growth in Dropbox's pitch deck reflects a realistic and promising financial trajectory.

2) Airbnb's Historical Revenue Growth

Airbnb showcased its revenue growth effectively, portraying a success story that investors could buy into.

When Airbnb highlighted its historical financial growth, it provided a strong base for illustrating future financial projections.

Dissecting the Blue Guy Kawasaki Financial Pitch Deck Template

The Guy Kawasaki pitch deck template is revered in the startup ecosystem for its simplicity and effectiveness.

Here's a dive into its financial slide structure and content.

Structure and Content Analysis

The template emphasizes a 10/20/30 rule - 10 slides, 20 minutes, and a 30-point font .

The financial slide adheres to these principles, ensuring clarity and brevity.

Sticking to a simplistic structure while ensuring all vital financial data is presented comprehensively.

Highlighting Key Metrics

Focusing on key metrics rather than bombarding them with numerous financial data can help in keeping the investors engaged.

Showcasing the cost of customer acquisition, lifetime value, and burn rate in a clear, understandable manner.

How Can Digital Tools like Storydoc Aid in Creating an Engaging Financial Slide?

Creating an engaging financial slide involves a blend of storytelling, data analysis, and aesthetic presentation. Digital tools like Storydoc can be invaluable assets in this endeavor.

Streamlining Branding Across the Pitch Deck

Starting with a template, tailor it to echo your financial narrative, ensuring cohesiveness. Customize colors, graphs, and data points to mirror your brand's identity.

Leverage Storydoc's interactive charts and real-time collaboration to enrich your financial slide.

Consistent brand representation across the pitch deck fosters a professional, trustworthy image for potential investors.

Utilizing interactive charts lets them delve into the data at their pace.

Here’s an example of a financial slide:

Exploring Storydoc’s Financial Templates

Storydoc offers a variety of templates that can help in crafting a financial slide that's not only informative but visually appealing.

Choosing a template that aligns with your brand and the story you wish to tell.

Here are examples of financial slide templates:

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Creating Financial Planning Presentations for Customers At Any Financial Literacy Level

Financial planning may be an important step in establishing a secure future for both individuals and businesses, but it’s not exactly the most exciting topic to present. Even experienced financial professionals can have a rough time trying to present recommendations that clients can not only understand but also fully appreciate.

Why is presenting financial information so challenging ? It can be difficult to decide exactly which data to include in the presentation. Audiences can easily become overwhelmed when fed too much data at once, and numbers that don’t make sense can only generate more questions than answers. 

When it comes to financial planning presentations created with PowerPoint or a PowerPoint-alternative presentation design software , you definitely want to focus on the quality of data over quantity of it.  Of course, you also want to ensure your presentation conveys a clear message and not just a series of statistics.

Data visualization is key to presenting a financial plan, but transforming sheets filled with data into digestible visual aids is easier said than done. Even audiences with an elementary understanding of finance can understand the story numbers tell when presented in infographic form.

Beautiful.ai’s presentation templates and smart slide templates make it simple to transfer numerical data into engaging infographics in mere seconds, as well as design a visual presentation with an effective structure.

Are you tasked with creating a financial planning ppt presentation, and you want to effectively communicate your message with customers of any financial literacy level? Check out the following tips on how to design a visual presentation that engages audiences and clearly conveys a financial plan:

Tell a story

Despite presentation designers’ best intentions, financial data tends to put audiences to sleep. Too many numbers become a blur of data, and audiences’ minds will wander anywhere else. By delivering your financial plan by telling a story, you can grab ahold of your audience’s attention and generate excitement for the presented strategies.

• People respond to storytelling over data. A personal story will almost always make for a stronger presentation. Generating an emotional response will create a connection between the audience and your message. By telling the story of why the data matters to you, you can imprint upon audience members why it also should matter to them.
• When crafting the story of a finance plan, let one of Beautiful.ai’s strategically-crafted presentation templates guide you along the slide deck design journey. You don’t have to be a seasoned pro who knows exactly which slides are most effective for your topic and the data you present. Our expert designers have curated templates that will help jump-start presentations on a plethora of topics. Each template is customizable and ready to use, and it can be edited with just a few clicks.
• Focus on captivating finance topics for presentation of a plan. After all, there are plenty of ways to write the story of a financial plan, and the more interesting the angle, the more effective the message. Particular financial planning presentation topics of interest include Social Security strategies, portfolio risk analysis, tax-efficient retirement, long-term planning and estate planning.

Illustrate the data

No matter their level of expertise, nobody wants to sit through a presentation filled with crowded sheets of numerical data and statistics that just don’t seem to connect. Transforming all those charts and numbers into digestible illustrations is key to designing an effective financial planning ppt presentation.

• Emphasize data with the strategic use of colors. Selecting a color palette with contrasting hues can highlight the importance of various data sets.
•  Transform boring charts into lively infographics. A practically endless array of infographic options are available to illustrate the data within your financial plan. Beautiful.ai offers smart slide templates for all sorts of infographics, including everything from donut , pie and flow charts to Gantt charts , Venn diagrams and process diagrams . Just enter your numerical data and watch the infographic automatically adjust to illustrate the correct statistics.
• Animate financial planning presentations to capture audience attention and bring the data to life. People are naturally attracted to motion, and animating slides and the transitions between them is a sure way to ensure eyes and thoughts remain focused on the financial plan.

Keep it clear and concise

No matter how skilled at storytelling a presenter might be, any presentation of a financial plan is going to include scads of data. To ensure the story of that data is clearly communicated to the audience, a finance presentation must be designed clearly and concisely.

• Presentation structure is key when telling the story of a finance plan. If the data isn’t presented in a logical order, even the most vivid infographics won’t deliver the full and proper message. 

Divide your visual presentation into sections, including a clear introduction and conclusion, a section for each subtopic— in the case of financial planning that could be a section for each strategy, for example— and don’t forget to include specific times for questions and feedback. After all, an engaged audience is an interested audience.

• Clear data ensures the proper message is conveyed. When selecting which data to include in your financial planning presentation, stick with figures that illustrate the clearest conclusions. Don’t waste precious time illustrating data that doesn’t clearly tell the story of the financial plan.
• Design attractive and uncluttered slides with help from artificial intelligence. Your message will be lost if your visual presentation is cluttered or sloppy. Too much data creates walls of text that are some of the surest ways to put your audience to sleep. 

At the same time, a poorly designed slide conveys an unprofessional message. Clients will trust your message more if the finance presentation is designed professionally. 

Beautiful.ai offers a lengthy list of smart slide templates that automatically adjust their design based on the principles of good design each time you add additional content. It’s practically impossible not to design the perfect slide every time.

Samantha Pratt Lile

Samantha is an independent journalist, editor, blogger and content manager. Examples of her published work can be found at sites including the Huffington Post, Thrive Global, and Buzzfeed.

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Home Blog Business How to Prepare and Present Financial Planning for Businesses

How to Prepare and Present Financial Planning for Businesses

No matter how good the earning of a business is today, you can never guarantee that it will still be as good tomorrow. After all, harvests vary from season to season, and an economic downturn can quickly cripple a business – unless it’s ready with a solid financial plan.

Financial planning considers the negative economic factors that could contribute to the fall of a business. It can provide insights for businesses to overcome economic challenges and thrive even during the driest season.

Still, creating a business financial plan is intimidating for many business professionals. What components to include, what metrics to track, and many other questions may arise. Let’s explore the nitty-gritty of preparing a financial plan and delivering a stellar presentation to stakeholders.

Table of Contents

• What is Financial Planning?

Why Is Business Financial Planning Important?

What to include in a financial plan, presenting financial planning results in stakeholders meetings, what is financial planning.

The Certified Financial Planner Board of Standards defines financial planning as “looking at a client’s entire financial picture and advising them on how to achieve their short- and long-term financial goals.”

It involves considering various financial components to help individuals and families achieve their aspirations – education, retirement, or building a safety net for emergencies.

Financial planning becomes even more crucial for businesses. As individuals have financial goals, businesses have objectives and financial resources to be carefully managed and aligned. This ongoing process is an integral facet of a business plan, delving into the cost structure of an enterprise, encompassing its revenue streams, expenditure, and cash flow. It also considers action plans to achieve objectives while considering potential risks and uncertainties.

Businesses of any size will benefit from financial planning. It’s a critical asset when seeking investment or financing from different partners. Investors require transparency and assurance that their investments will be used wisely and that you have a clear strategy for providing investment returns or paying your debts. A thorough financial plan makes you more appealing to potential funding sources , increasing the likelihood of securing the needed capital.

More importantly, you compile a financial plan for your good. As a business owner, it provides you with a roadmap to set your sights on long-term growth and realistic strategic goals . This approach ensures that you keep growing steadily while dealing with day-to-day operations.

As you set your sights on your long-term vision, it also allows you to allocate your funds in a way that will help you achieve your financial goals. This involves prioritizing investments that maximize efficiency and returns.

As business author Linda Pinson explains, a business plan should tell you “whether the business will be viable or you are wasting your time and/or money.”

1. Revenue Forecast

A revenue forecast outlines a business’s anticipated income within a specific timeframe – typically monthly, quarterly, or annually. You may use your past sales reports to identify variables like market trends and seasonality and make reasonable assumptions about future sales.

If you own a startup business, you may invest more time and effort in conducting thorough market research to develop a sound revenue forecast. Understanding your customer segment, the stages of your sales funnel, and comparable industry data becomes crucial for estimating potential sales without historical data.

One way of calculating the potential revenue for your company is to use the bottom-up approach, which multiplies the number of likely sales by per unit price. With this knowledge, you become informed as you plan your marketing initiatives and growth strategies.

For example, a custom greeting card maker called Heartfelt Cards discovered that their sales revenue has been growing steadily since inception by a 30% rate on average beginning in 2020. Since there is an upward trend, they can apply the same growth rate of 30% to project the units sold for the upcoming year.

Projected Units Sold = Previous Year Units Sold * (1 + Growth Rate)

Projected Units Sold = 85,000 * (1 + 0.30) = 110,500

Projected Revenue = Projected Units Sold * Unit Price

Projected Revenue = 110,500 * $3 = $331,500

Understanding how their revenue is distributed throughout the year can also help Heartfelt Cards optimize their operations, marketing plan, and resource allocation to take advantage of seasonal trends. For example, they can offer special deals or discounts to attract more customers during spring and summer when their sales are at the lowest.

2. Expense Outlay

This part of the financial plan covers the costs you incur or will incur in running your business in a set period. Tracking them helps you control your spending and make informed business decisions, like setting reasonable prices and sales volume, for profitability.

Expenses can be categorized into two broad types: fixed and variable. Fixed expenses are those that stay constant with the change in production. This may include machinery, rent, utilities, licensing fees, legal, etc. Expenses can also be categorized as variables or fluctuate proportionally with the production scale. Costs of raw materials, supplies, delivery, commissions, etc., are all considered variable expenses. Salaries may also be considered a variable input if it’s piece-rate labor.

Similar to revenue, expenses should be analyzed based on historical data. It should consider changes in your business model, like growth and inflation.

In this example, the variable expenses of Heartfelt Cards from the previous year were adjusted according to its growth rate and market inflation. Their fixed cost will remain unchanged if they do not purchase additional equipment or other assets. Combining the two will provide a forecast for Heartfelt Cards’ expenses.

3. Income Statement

You’re ready to construct an income statement with your projected revenue forecast and anticipated expenses. This essential financial statement provides a comprehensive view of your business’s profitability or loss during a reporting period; hence, it’s also called a profit and loss (P&L) statement. Within this statement, you factor in your company’s total income or revenue, subtracted by the costs associated with producing and marketing your product or service.

Income statements present a wealth of information for the company management and investors. This document can be a basis for business owners’ strategies to increase their profitability – whether increasing their revenues or cutting down on their costs. For investors, the income statement can clearly indicate the company’s financial health and ability to pay off its debts.

What should an income statement include? It should typically list the following:

• Revenue – gross sale of the company
• Cost of Goods – the amount that it costs to produce your product (e.g., raw materials, overhead, workforce)
• Operating Expenses – indirect cost generated in carrying out business activities (e.g., advertising, sales commission, tax, depreciation)
• Net Profit – the amount after deducting allowable business expenses

You may also include in your income statement non-operating income and expenses. Non-operating income is the amount you gain from a business activity unrelated to your core business operations, like selling an asset. On the other hand, non-operating expenses are the unexpected costs your business incurs, such as the expenses arising from a lawsuit.

Here’s what an income statement may look like in a presentation.

As you can see in the example, the Net Profit Margin (28.83%) indicates healthy profitability for Heartfelt Cards, with a significant portion of its revenue translating into profit.

4. Balance Sheet

Sometimes, creditors want to see where your company stands financially rather than peering into the future. Specifically, they want to see your balance sheet, a type of financial statement detailing your assets, liabilities, and equities. Seeing that your assets are greater than your liabilities can indicate the liquidity of your business and your ability to pay your debt. This assessment is crucial for creditors evaluating the risk associated with lending to or doing business with a company.

A balance sheet has two sections, assets and liabilities & equity, which are divided into parts.

Assets are resources owned or controlled by the company that have economic value. Under assets come two sections: current assets and fixed assets.

• Current assets are the resources that can be liquidated quickly for immediate needs like hard currency, inventory, and accounts receivable.
• Fixed assets are resources with a longer useful life, not intended for immediate conversion to cash  (e.g., equipment, office building, trademarks, etc.)

Liabilities are the obligations or debts that a company owes. This, too, may be divided into two sections.

• Current liabilities are obligations that are due within one year or a specific reporting period (e.g., taxes, accounts payable, short-term loans)
• Long-term liabilities are obligations due after one year or a specific reporting period.

Equity is the face value of assets after deducting liabilities. It includes the initial investment and any retained earnings or the accumulated profits reinvested into the business.

A balance sheet may look like this after combining the abovementioned sections.

Ultimately, how you present your financial statements will determine whether you’ll get the support of stakeholders. Here are some strategies to ensure your financial plan is presented in a way that resonates with the decision-makers.

1. Organize Your Content

While having a knowledgeable presenter is important, the structure and delivery of the presentation play a crucial role in its success. Research shows that a structured presentation greatly enhances the audience’s ability to understand and retain information by 40% .

The structure becomes even more crucial during financial presentations that involve figures and technical details. In this scenario, you need to simplify your delivery – preferably chronologically. Start presenting the past and present financial figures that highlight key trends. Use the data to explain how the company’s financial position aligns with its strategic goals and objectives.

2. Be Concise

Simplifying the interpretation of results for stakeholders will enhance your ability to achieve your objectives with them. As mentioned earlier, banks, investors, and even company executives frequently prioritize understanding whether you can generate income. Hence, you need to weed out irrelevant information for them and highlight the important metrics of your financial statements.

You will benefit from using a presentation template with charts, graphs, and other visualizations so stakeholders can better interpret the financials of your business. For example, instead of exporting an entire 3-year income statement, you can use a timeline concept slide to show the trend of your net profit over the years.

3. Prepare to Address Stakeholder’s Concern

Money is a topic that often elicits strong emotions and concerns, sometimes positive but mostly negative. When presenting a financial plan, especially one involving sensitive or complex matters, it’s essential to be prepared for difficult questions that may arise from your audience. This could include addressing risks, clarifying financial projections, and explaining assumptions.

Always anchor your responses on tangible data. If a question pertains to potential risks, you may share success stories or instances where similar concerns were addressed successfully. Transparency builds trust even if the answer is not what the audience wants to hear. That said, offer alternatives to show you’ve considered various possibilities and are prepared to address them.

We’ve seen the components that should make up your financial plan and how you can present them to stakeholders. Collectively, they paint the bigger picture of how you can manage existing resources to achieve revenue generation while navigating the challenges in the competitive business landscape.

Financial planning is difficult because many elements come into play that ultimately affect your projections and financial results. If you lack expertise, enlisting a specialist to assemble your financial plan is prudent.

1. Down & Up Slide Graph to Represent Financial Fluctuation

Represent the different trends of a company’s revenue generation with a visual method, faster to appreciate than simple numerical data. This template can expose the changes in annual revenue profit by year, giving room to generate projections in your financial plan strategy.

The up and down trends are entirely modifiable to accommodate our required numbers, and the different arrows starting from the final historical data point can be used to program the estimations by implementing one strategy or another. At the same time, we can use this graph to show multiple sources of income if we consider each arrow the total sum of revenue per income stream – ideal for financial growth strategies that pose a risk higher than expected, so we can contrast data with accuracy.

Use This Template

2. 5 Year Budget Financial Plan Diagram

Present the required budget for a 5-year financial planning strategy in a straightforward graphical format. This presentation template shows three stages: the current moment (Now), the core budget area, and the objectives to attain within 5 years. By using this budget plan presentation template, professionals can indicate how the required budget will help achieve the company’s pre-defined milestones or any personal financial planning strategy.

3. Dashboard PPT Template for Financial Planning Presentations

Showcase financial balance in a financial plan presentation by using a highly visual profit and loss dashboard template for PowerPoint. This kind of dashboard is used to discuss the alignment with current financial and business goals, and presenters can talk about historical data, net profit per period, operational and non-operational expenses, and represent how much of the yearly income is spent on those costs. With a striking color scheme, this profit and loss dashboard slide will help professionals to discuss data in detail with ease.

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What is a financial plan?

A financial plan is a comprehensive picture of your current finances, your financial goals and any strategies you've set to achieve those goals. Good financial planning should include details about your cash flow, savings, debt, investments, insurance and any other elements of your financial life.

Get a custom financial plan and unlimited access to a Certified Financial Planner™

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What is financial planning?

Financial planning is an ongoing process that looks at your entire financial situation in order to create strategies for achieving your short- and long-term goals. It can reduce your stress about money, support your current needs and help you build a nest egg for goals such as retirement.

Creating a financial plan is important because it allows you to make the most of your assets and gives you the confidence to weather any bumps along the way. You can make a financial plan yourself or get help from a financial planning professional. Online services like robo-advisors have also made getting assistance with financial planning more affordable and accessible than ever.

» Ready to get started? See our roundup of the best financial advisors

via Zoe Financial

9 steps in financial planning

1. set financial goals.

A good financial plan is guided by your financial goals. If you approach your financial planning from the standpoint of what your money can do for you — whether that's buying a house or helping you retire early — you'll make saving feel more intentional.

Make your financial goals inspirational. Ask yourself: What do I want my life to look like in five years? What about in 10 and 20 years? Do I want to own a car, or a house? Do I want to be debt-free? Pay off my student loans? Are kids in the picture? How do I imagine my life in retirement?

Having concrete goals can make it easier to identify and complete the next steps, and provide a guiding light as you work to make those aims a reality.

Financial Goals: Where to Begin

How to Set Financial Goals

2. Track your money

Get a sense of your monthly cash flow — what’s coming in and what’s going out. An accurate picture is key to creating a financial plan and can reveal ways to direct more to savings or debt pay-down. Seeing where your money goes can help you develop immediate, medium-term and long-term plans.

For example, developing a budget is a typical immediate plan. NerdWallet recommends the 50/30/20 budget principles: Put 50% of your take-home pay toward needs (housing, utilities, transportation and other recurring payments), 30% toward wants (dining out, clothing, entertainment) and 20% toward savings and debt repayment. Reducing credit card or other high-interest debt is a common medium-term plan, and planning for retirement is a typical long-term plan.

Budgeting 101: How to Budget Money

Free Budget Planner Worksheet

3. Budget for emergencies

The bedrock of any financial plan is putting cash away for emergency expenses. You can start small — $500 is enough to cover small emergencies and repairs so that an unexpected bill doesn’t run up credit card debt. Your next goal could be $1,000, then one month’s basic living expenses, and so on.

Building credit is another way to shockproof your budget. Good credit gives you options when you need them, like the ability to get a decent rate on a car loan. It can also boost your budget by getting you cheaper rates on insurance and letting you skip utility deposits.

How to Build Credit

Emergency Fund: What It Is and Why It Matters

Emergency Fund Calculator

4. Tackle high-interest debt

A crucial step in any financial plan: Pay down high-interest debt, such as credit card balances, payday loans, title loans and rent-to-own payments. Interest rates on some of these may be so high that you end up repaying two or three times what you borrowed.

If you’re struggling with revolving debt, a debt consolidation loan or debt management plan may help you wrap several expenses into one monthly bill at a lower interest rate.

Pay Off Debt: Tools and Tips

How to Pay Off Debt Fast: 7 Tips

5. Plan for retirement

If you visit a financial advisor , they will be sure to ask: Do you have an employer-sponsored retirement plan such as a 401(k) , and does your employer match any part of your contribution? True, 401(k) contributions decrease your take-home pay now, but it’s worth it to consider putting in enough to get the full matching amount. That match is free money.

If you have a 401(k), 403(b) or similar plan, financial advisors also generally suggest that you gradually expand your contributions toward the IRS limit. $23,000 in 2024 ($30,500 for those age 50 or older)

Another savings vehicle for retirement planning is an IRA , or individual retirement arrangement. These tax-advantaged investment accounts can further build retirement savings. The contribution limit is $7,000 in 2024 ($8,000 if age 50 or older) .

How Much Should I Contribute to a 401(k)?

IRA Contribution Limits Explained

6. Optimize your finances with tax planning

For many of us, taxes take center stage during filing season, but careful tax planning means looking beyond the Form 1040 you submit to the IRS each year.

For example, if you're netting a sizable refund each year, you may be needlessly living on less throughout the year. Learning how and when to review your W-4 , the form you fill out with employers, can help you to take control of your future. Adjust your withholdings on your W-4, and you either can keep more of your paycheck, or pay a smaller tax bill.

Getting cozy with the tax law also means looking into tax credits and deductions ahead of time to understand which tax breaks could make a difference when it comes time to file. The government offers many incentives for taxpayers who have children, invest in green home improvements or technologies, or are even pursuing higher education.

Tax Planning for Beginners: 6 Tax Strategies & Concepts to Know

Federal Brackets and Income Tax Rates

Popular Tax Deductions and Tax Credits

7. Invest to build your future goals

Investing might sound like something for rich people or for when you’re established in your career and family life. It’s not. Investing can be as simple as putting money in a 401(k) and as easy as opening a brokerage account (many have no minimum to get started). Financial plans use a variety of tools to invest for retirement, a house or college.

How to Invest Money: Choosing the Best Way To Invest for You

How To Invest in Stocks

Saving for Education: 529 Plan Rules and Contribution Limits

8. Grow your financial well-being

With each of these steps, you're protecting yourself from financial setbacks. If you can afford it, decide whether you'd like to do more, such as:

Increasing contributions to your retirement accounts.

Padding your emergency fund until you have three to six months of essential living expenses.

Using insurance to protect your financial stability, so a car crash or illness doesn’t derail you. Life insurance protects loved ones who depend on your income. Term life insurance, covering 10-year to 30-year periods, is a good fit for most people’s needs.

Backdoor Roth IRA: What It Is and How to Set One Up

What Is Life Insurance and How Does It Work?

9. Estate planning: Protect your financial well-being

Financial planning also means looking out for your future needs, as well as mapping things out for your loved ones. Creating a will can help ensure your assets are distributed according to your wishes. Other types of estate-planning documents can also provide your relatives with clarity on how you would like to be cared for, and who should manage your affairs.

Estate Planning Checklist

Estate Tax Planning: How Does Your Strategy Look?

Types of financial planning help

A financial plan isn’t a static document — it's a tool to track your progress, and one you should adjust as your life evolves. It's helpful to reevaluate your financial plan after major life milestones, such as getting married, starting a new job, having a child or losing a loved one.

If you're not the DIY type — or if you want professional help managing some tasks and not others — you don't have to go it alone. Consider what kind of help you need:

Complete financial plan and investment advice

Online financial planning services offer virtual access to human advisors. A basic service would include automated investment management (like you’d get from a robo-advisor), plus the ability to consult with a team of financial advisors when you have other financial questions. More comprehensive providers basically mirror the level of service offered by traditional financial planners : You're matched with a dedicated human financial advisor who will manage your investments, create a comprehensive financial plan for you, and do regular check-ins to see if you're on track or need to adjust your financial plan.

» Want to work with a local advisor ? Learn how to find a financial advisor near you

Specialized guidance and/or want to meet with an advisor face-to-face

If you have a complicated financial situation or need a specialist in estate planning, tax planning or insurance, a traditional financial advisor in your area may fit the bill. To avoid conflicts of interest, consider fee-only financial advisors who are fiduciaries (meaning they've signed an oath to act in the client's best interest). Note that some traditional financial advisors decline clients who don’t have enough to invest; the definition of “enough” varies, but many advisors require $250,000 or more. If you want to know more about how much seeing an advisor will cost, read our guide to financial advisor fees .

» Need some help? Check out our roundup of the best wealth advisors

Portfolio management only

Robo-advisors offer simplified, low-cost online investment management. Computer algorithms build an investment portfolio based on goals you set, and your answers to questions about your risk tolerance. After that, the service monitors and regularly rebalances your investment mix to ensure you stay on track. Because it's all digital, it comes at a much lower cost than hiring a human portfolio manager.

» Need help investing? See our list of the best robo-advisors

Why is financial planning important?

Financial planning can help you feel more confident about navigating bumps in the road — like, say, a recession or historic inflation . According to Charles Schwab's 2023 Modern Wealth Survey, Americans who have a written financial plan feel more in control of their finances compared with those without a plan [0] Charles Schwab . Charles Schwab Modern Wealth Survey 2023 . Accessed Aug 7, 2023. View all sources .

Once your basic needs and short-term goals have been addressed, a financial plan can also help you tackle big-picture goals. Thoughtful investing, for example, can help build generational wealth , and careful estate planning can ensure that wealth gets passed down to your loved ones.

On a similar note...

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The Financial Planning Process

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PART 1: FINANCIAL PLANNING Chapter 1 Financial Planning: The Ties That Bind.

PART 5: LIFE CYCLE ISSUES Chapter 18 Fitting the Pieces Together.

Industry Research Personal Finance Group 5. Overview 1) Introduction of Personal Finance 2) 4 main ways of Personal Finance 3) Introduction a big player.

1 Chapter 1 – What’s Important Discuss financial logic exemplified by the 15 principles of finance Importance of financial planning Setting up a plan Role.

Chapter 1 Overview of a Financial Plan Copyright © 2012 Pearson Canada Inc. edited by Laura Lamb, Department of Economics, Thompson Rivers University 1-1.

Chapter 1 Financial Planning.

© The McGraw-Hill Companies, Inc., All Rights Reserved. Irwin/McGraw-Hill Chapter 3 Money Management Strategy: Financial Statements and Budgeting.

Types of Influences Many factors influence daily financial decisions – Age – Household size – Interest rates – Inflation Three primary elements – Life.

Introduction to Business and Marketing. Explain the steps involved in the financial planning process. Identify sources of financial information. Discuss.

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Unit 1: The Financial Planning Process. I can… Learning Objectives I can explain why personal financial planning is so important. I can describe the five.

© 2012 Cengage Learning. All Rights Reserved. Principles of Business, 8e C H A P T E R 16 SLIDE Personal Financial Statements Budgeting.

Investing for Your Future

Copyright ©2004 Pearson Education, Inc. All rights reserved. Chapter 2 Planning with Personal Financial Statements.

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• What is financial planning? 

6 steps to create a financial plan

Benefits of financial planning.

• The bottom line

Financial planning basics: How to create a financial plan

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• Financial planning is a practice that helps you track and manage your money with the purpose of reaching your financial goals.
• Create a strong financial plan by setting goals, tracking cash flow, budgeting, investing, and paying down debt. 
• A CFA or CFP can assist you in creating a personalized financial plan.

Life may be full of twists and turns, but a strong financial plan can help you stay on track toward reaching your goals. From paying off your student loans to buying a house, a comprehensive individualized plan is the best way to go. 

Financial planning is a broad and encompassing practice that aids you and your family in better managing your money and preparing for potential risks. No matter what your current financial situation is, a solid financial plan offers guidance and insight beneficial to all households.

Read about our picks for the best financial advisors here.

What is financial planning? 

Financial planning is essential to achieving long-term and short-term financial goals, while also preparing you for potential future risks and obligations. No two financial plans are the same. Your plan should accurately reflect your own financial needs, goals, and best course of action. 

"The purpose of a financial plan is to help clients — whether it be an individual, family, or business — achieve their financial goals and objectives by creating a structured roadmap for managing their finances effectively," says Chloe Wohlforth, CFP, Partner at Angeles Wealth Management . "A well-crafted financial plan considers a person's current financial situation, future financial goals, and risk tolerance."

Financial plans often address retirement savings, wealth-building strategies, emergency savings plans, tax optimization strategies, college funds, and debt consolidation .

To create a comprehensive plan, you'll need to thoroughly evaluate your current financial situation, such as household income and debt (including car payments, loans, and credit card debt). Most plans tend to involve budgeting, saving, and routine investing. 

You can craft a financial plan yourself or enlist professional assistance. Search for the best online financial advisors or planners, or look for in-person advisors.

"Financial advisors can help you create a financial plan by understanding your goals, values and risk tolerance, and then building a customized path that they can guide you along to enrich your life to its fullest potential," says Jordan Gilberti, CFP and senior lead planner at Facet.

Financial planning isn't as hard as you might think. Here are six steps you can take to create your own financial plan. 

1. Set financial goals

The first step in creating a strong financial plan is identifying your goals. Whether by yourself or with a partner, you should know what you're aiming for. 

"Set your goals and priorities by envisioning a future for yourself over the short, medium, and long term, and what you would like to achieve financially," says Gilberti. "Get yourself organized by gathering all relevant financial documents, including your investment accounts, insurance policies, debts, and other assets."

You can start by asking yourself: What do you want to achieve in five years? How about in 10 or 20 years? Are you looking to buy a house? Have kids? Plan a huge trip? 

Financial planning should feel intentional, and you can more easily draw motivation from clear, obtainable objectives. Consider at least three goals with the following information: 

• How much will it cost? If you're looking to save for a house or pay off student debt, for example, you should have a number you're aiming for. For instance, how much will it cost to buy a house and how much are you needing to save to make it happen?
• What is my deadline? Once you know how much you need to save, you'll need to set a realistic timeline. For example, how long do you think it will take to save up for a down payment on a house? 
• Where should I store the funds? While you can store all your funds in the same bank account, you may want to separate your funds into different savings accounts or brokerage accounts. 

2. Track your finances

What's coming in and what's going out? Before you can start responsibly budgeting, review your cash flow to reveal more ways to save. While some expenses — like rent or gas — are mandatory expenses, you may uncover nonessential charges that are draining your funds.

"The best way to budget is to ask for help. Often clients don't budget because they don't know where to begin. An advisor can help you think about your expenses in different categories. What is discretionary, what is non-discretionary? What is an expense that might be costly now, but only for a fixed amount of time?" says Wohlforth.

Once you have a grasp on your spending habits, you can budget. A beginner-friendly method of budgeting is the 50/30/20 rule , which is suitable for both consistent and irregular-income households. Basically, this plan is a rule of thumb that designates 50% of your income to mandatory expenses, 30% to wants, and 20% to debt or savings.

But keep in mind that everyone's financial situation is unique and the 50/30/20 budget plan won't be suitable for everyone. 

3. Create an emergency fund

Part of establishing a realistic budget is setting aside cash in case of emergencies.

"An emergency fund is typically a savings account that serves as a safety net from unforeseen financial difficulties that you may face throughout your life," Gilberti says. "Examples may include a job loss, disability, home appliance breaking, and more."

Emergencies are unexpected, so having the extra funds on hand can help you pay for medical emergencies and other sudden bills. An emergency budget may also protect you against racking up credit card debt and interest. 

Check out Insider's picks for the best budgeting apps

4. Reduce and manage debt

Reducing and managing debt is a crucial step in financial planning. Even if you're storing a good chunk of cash in a savings or brokerage account, high-interest debt will weigh you down. The longer your debt accumulates interest, the more money you'll lose in the long run. 

You may want to pay down expenses like credit card balances, student loans , and car payments sooner rather than later. You may want to include regular debt payments in your budget plan. 

5. Diversify your investment portfolio

One of the best ways to save for future financial goals and build wealth is through investing. While investing can be risky, a diverse portfolio of stocks, bonds, ETFs, and alternative investments can significantly lower the risk. There are plenty of beginner-friendly online brokerages, robo-advisors, and investing platforms.

The best investing apps for beginners and the best online brokerages for beginners are low-cost and best for passive traders. These sites also allow you to customize your investing portfolio based on your financial goals, risk tolerance, and time horizon.

Automatic investing platforms like SoFi Invest , Fidelity Go , and Wealthfront are also ideal for new investors. Robo-advisors are a flexible and accessible way for hands-off traders to buy and sell assets. 

6. Plan for retirement

A retirement account is one type of investing account. Early retirement may even be one of your long-term financial goals. The best retirement plan for you depends on your individual situation. 

One of the easiest ways to start savings for retirement is through an employee-sponsored retirement plan like a 401(k) , 403(b) , or SEP IRA . These are tax-advantaged accounts that collect a portion of your salary. Some plans, like most 401(k)s, may offer to match an employee's contributions up to a certain percentage. 

In order to grow your account faster, find out how much your employer matches and contribute enough to reach the maximum contribution amount.  In 2023, you can contribute up to $22,500 if you're under 50 years old (people age 50 or older can add an additional $7,500), but keep in mind that you can't withdraw funds until you're 59 1/2. 

Another option is an individual retirement account (IRA), which functions similarly to a 401(k) but it is not sponsored by an employer. IRAs are also tax-advantaged accounts and are often more flexible. In 2023, you can contribute up to $6,500 if you're under 50 (up to $7,500 if you're 50 or older). You also can't withdraw until you're at least 59 1/2. 

A well-thought-out plan not only helps you meet your financial goals but will also map out an accessible course of action based on your individual circumstances. Not only can you better your understanding of your own finances, but you can also focus on reaching important steps. Plus, you're more likely to reach your goals faster. 

While it may be stressful in the beginning, having a clear insight into your income and spending can reduce future stress and financial worry. The more you understand your own financial needs, the more realistic your expectations about the future.

You may also be better prepared for emergencies, like disability or financial trouble. Routinely contributing to an emergency fund is a great way to reduce financial stress and prevent your savings from being drained if trouble arises. 

Financial planning frequently asked questions (FAQs)

Financial planning means that an individual(s) tracks cash flow, budgets expenses, saves for retirement, pays down/manages debt, and invests funds in order to reach long and short-term financial goals. It's a personalized plan based on individual values, risk tolerances, and time horizons.

An example of financial planning may look like a young couple with dual income devising a plan to buy a home in five years based on their current cash flow. In order to reach this goal, the couple establishes a reasonable budget based on necessary monthly expenses (including debt payments), consistent monthly income, and what's left over to save. They develop a plan to pay down their high-interest credit card debt first. Then they open a high-yield savings account and put savings for their down payment into this account, while also contributing to an emergency fund in case any unexpected expenses come up in the next five years.

You can start financial planning by determining your financial goals and tracking your cash flow. If you're struggling to start, you can reach out to a financial planner, financial advisor, or financial consultant for help. 

How to start financial planning

Everyone can benefit from financial planning, no matter what your current financial situation is. A plan can lay out the steps you need to take to reach your long and short-term goals. Whether it's early retirement, buying a house, savings up for a wedding or creating a college fund , a personalized financial plan can help you get there. 

You can start planning by setting goals, tracking your cash flow, budgeting, paying down debt , investing in a diversified investment portfolio, and saving for retirement.

But remember that financial plans aren't static. You'll need to consistently reevaluate your plan in order to make sure it reflects your current situation and goals. 

"While you should be constantly monitoring and adjusting your plan as your life changes, some typical triggers for an update in your financial plan may include a change in income/employment, change in marital status, birth of a child, receiving an inheritance, and much more," says Gilberti. 

If you're having trouble getting started, a certified financial advisor or financial planner can guide you through the process. You can find a financial advisor through online reviews or by talking with friends and family. 

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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St. Norbert College might cut tenured faculty, citing deterioration of financial stability

DE PERE — St. Norbert College’s financial situation is more serious than it has let on to the public. 

President Laurie Joyner presented a plan to the Board of Trustees on May 13 that would allow the college to cut tenured faculty — a move that is only used when there is a deterioration of the college’s financial stability or a need to discontinue programs due to financial reasons, according to the faculty handbook.  

In a presentation to staff and faculty in March, Joyner cited both as grounds to move forward with the process, known as retrenchment. 

At St. Norbert , tenure is granted to full-time faculty who, after so many years of teaching, demonstrate their accomplishments in academic preparation, teaching, scholarship and service, according to the faculty handbook. The process requires a lengthy application but, if granted, provides faculty with protections from layoffs, except in specific circumstances such as retrenchment. 

More: 5 things to know about St. Norbert College's new president

Calling the move “prudent,” Joyner said it’s the responsible thing to do.

“It will give us greater agility to be able to move more quickly, and I think that that's really essential, not just at St. Norbert College, but really across higher education,” she said. “So I think it's ethically the right thing to do.”

She isn’t aware of whether the college has ever done the retrenchment process before, though Joyner is less than a year into her time at the institution.

In her plan, Joyner did not cite how many tenured faculty could be cut or the overall reduction in workforce needed to rightsize the institution because she doesn’t know, she said in an interview.

It largely depends on enrollment, she said. 

“I don't think we know. I don't think anybody can answer that question because we're in like a dynamic situation in the whole sector,” Joyner said. 

How did St. Norbert College get here?

The first public signal of the college’s financial troubles was in September when it announced 41 layoffs of non-tenured faculty and staff, citing declining enrollment.

The college has since said the number was 35, but has provided no explanation for the discrepancy. In all, 82 positions were affected at that time, including 32 open positions, according to Joyner’s March presentation to faculty obtained by the Press-Gazette.

In March, the college announced another 12 layoffs affecting only nontenured faculty as it shored up a $5 million deficit projected for fiscal year 2025. But according to Joyner’s presentation later that month, three open and 18 filled positions were cut.

More: St. Norbert College students stage walkout, protesting recent cuts

In an interview, Joyner was not able to answer which numbers were correct. 

In that same presentation, Joyner outlined future deficits of $4.2 million starting in fiscal year 2026, growing to $9 million in 2028. In August, those deficits were sitting at $15 million in 2026 and then $18 million in 2027. St. Norbert’s operating budget for next year is $70 million.

This fiscal year, the college ran into “severe liquidity issues,” as stated in Joyner’s March faculty presentation. The school breached its bond debt service coverage ratio and plans to review it again at the end of the month. 

Ultimately, a decline in enrollment without a commensurate reduction in expenses has led St. Norbert to its current situation. In fall 2018, the college had 2,099 undergraduate students. By fall 2023, that had dropped to 1,749, a 17% decrease, according to Joyner’s presentation. 

At the same time, staffing levels did not decrease. 

In fall 2022, there were 516 full-time equivalent faculty and staff members. In 2018, there were 510. By fall 2023, before layoffs were announced, there were 504 FTE staff and faculty. 

As of the spring semester, the faculty raw headcount was 126, with 92% either tenured or on the tenure track, according to Joyner’s presentation. 

Despite tuition increases, the college still saw a 19% decrease in undergraduate and graduate student net tuition fee revenue over the last five years. The amount of unfunded aid the college provided to students also increased by $6 million, which effectively translated to discounted tuition for those students who received aid or scholarships. 

Private colleges like St. Norbert rely heavily on tuition dollars since they don't receive state funding like Wisconsin's public universities do. Even a relatively small dip in enrollment can cause financial trouble.

St. Norbert is not alone. Last April, Cardinal Stritch University, a private Catholic school near Milwaukee, announced it was closing at the end of the semester due to declining enrollment. 

Marquette University, another Milwaukee four-year-private school, is looking to cut $31 million, or 7%, from its budget over the next seven years. In the short term, Marquette wants to cut $11 million by the 2025-26 academic year. 

Northland College in Ashland narrowly avoided closure at the end of this academic year with a last ditch restructuring. 

In September, Joyner told the Press-Gazette that St. Norbert was financially "fundamentally solid.” 

She holds to that. 

“Compared to most, we’re financially sound in the sense that if you look at our balance sheet, it's like really strong. If you look at our debt, it’s really low. If you look at our endowment, it’s relatively healthy,” she said. 

Those are all separate from the school’s operating budget, though, which is where the financial strain lies. 

When did the St. Norbert College know about its financial situation?

Seeing that enrollment and tuition revenue had been declining since 2018, it’s unclear why action was not taken sooner to address the college’s finances. 

According to Joyner, the full college wasn’t aware of the scope of the structural deficits until she showed them, saying people were surprised and shocked. 

Did Joyner speak with her senior administration about why rightsizing wasn’t addressed more proactively? No, she said. 

“I think my job is to focus on the future, and my job is to make sure that the performance of my team speaks for itself and that we are doing all the right things,” Joynes said. “... I trust that whoever was here was doing the best that they could and making the best decisions based on what they thought the situation was.”

It wasn’t until last summer, when Joyner joined, that faculty became aware of the seriousness of St. Norbert’s situation, according to Thomas Bolin, a professor of theology and religious studies. He’s been with the college for 22 years and also serves as the president of the college’s chapter of the American Association of University Professors.

In his over two decades at the college, retrenchment and the possibility of cutting tenured faculty has never come up.

How has the faculty responded to possibly cutting tenured faculty?

The faculty presented its own retrenchment plan alongside Joyner at the May 13 Board of Trustees meeting. 

The faculty’s presentation to the board, obtained by the Press-Gazette, agreed that there is a deterioration of the financial stability of the college and a need to restructure. 

The presentation said faculty also agreed with leadership’s recommendation to pause travel without prior approval of the vice president and president as well as requiring approval for overload teaching and stipends.

A point of disagreement in the faculty presentation were potential changes in the standard faculty teaching load. Joyner’s plan said teaching loads may be changed along with a reduction of at-will staff, probationary and pre-tenured faculty, and tenured faculty — if a program is eliminated. 

Joyner wants the retrenchment process to remain in effect until the college has two consecutive years of positive operating performance without administrative intervention. The faculty presentation called for a concrete end date of March 2026. 

What happened at that Board of Trustees meeting is unclear. Joyner wouldn’t say, needing to still write up a report to share with the faculty first. Recent Faculty Chair Raquel Lopez, who is no longer the chair due to the end of her term after the May 13 meeting, declined the Press-Gazette’s interview request and did not answer emailed questions.

Three faculty representatives who were at the meeting — Kathleen Gallagher Elkins, Jason Haen and Seth Meyer — did not respond to the Press-Gazette’s emails or phone calls about what happened at the meeting. 

Board of Trustees Chair Fred Schmidt did not respond to the Press-Gazette’s phone calls or email, and Vice Chair Patti McKeithan declined to be interviewed. 

However, in an email to faculty obtained by the Press-Gazette, Lopez said the board plans to take both proposals under advisement and will make a final decision at the end of the month. Only the board has the authority to declare retrenchment.

It’s largely unclear where the faculty stands on the possibility of cutting tenured colleagues, but Bolin said it’s a pretty drastic step.

“Nobody here is trying to be sanguine or cavalier about the pressures facing higher education and the pressures facing small colleges,” he said. “But to have gotten to this point, so quickly under new leadership, when I hear that we're already at retrenchment, I'm a little taken aback by the speed at which we've arrived here.”

For him, the main concern is the institutional change that will come with eliminating tenured faculty. 

What is the plan for St. Norbert College moving forward?

Other cuts have been made aside from the layoffs announced earlier this academic year. 

In March, St. Norbert announced cutting retiree health benefits effective June 1 for those 65 and older. Over the next five years, it's expected to save the college $262,000 annually. It also announced an increase to the spousal health benefit surcharge that started in January. That is projected to save the college $643,000 annually.

Joyner is also looking to generate additional revenue by adding over 12 new academic programs, a new partnership with the University of Wisconsin-Green Bay and expanding athletics, among other initiatives. 

The main next step is a program review where the college will look at all its offerings and make decisions about which programs should be invested in and those that should be cut. 

Joyner is focused on both new revenue generation as well as getting costs down, saying it has to be both sides of the coin. 

Joyner joined the college as president in July 2023, coming from St. Xavier University, where she faced a no-confidence vote from faculty in 2021, according to the Chicago Tribune . Before St. Xavier, Joyner resigned from her post as president of Wittenberg University “abruptly in the middle of the semester,” according to the Springfield News-Sun.

Danielle DuClos is a Report for America corps member who covers K-12 education for the Green Bay Press-Gazette. Contact her at  [email protected] . Follow on Twitter  @danielle_duclos.  You can directly support her work with a tax-deductible donation at  GreenBayPressGazette.com/RFA  or by check made out to The GroundTruth Project with subject line Report for America Green Bay Press Gazette Campaign. Address: The GroundTruth Project, Lockbox Services, 9450 SW Gemini Drive, PMB 46837, Beaverton, Oregon 97008-7105 .

Dolphin Drilling - Presentation of first quarter 2024 financial results

(Oslo, 24 May 2024) Dolphin Drilling AS (OSE: DDRIL, Dolphin Drilling) plan to publish its financial report for the first quarter of 2024 on Wednesday 29 May at 07.30 CET. The results will be presented on 29 May 2024 through an audiocast starting 15:00 CET. The presentation will be held by CEO Bjørnar Iversen and CFO Stephen Cox.

Link to Q1 audiocast:

https://channel.royalcast.com/landingpage/hegnarmedia/20240529_2/

Participants may also visit the Investor Relations section of the Company's website at www.dolphindrilling.com and click on the link to "Webcast". There will be a Q&A session following the presentation. Written questions can be submitted through the audiocast solution during the presentation. It is also possible to submit questions to [email protected] in advance.

For further information, please contact:

Ingolf Gillesdal, Corporate Finance and Investor Relations, tel: +47 920 45 320

Dolphin Drilling | www.dolphindrilling.com

Dolphin Drilling is a leading harsh environment drilling contractor for the offshore oil and gas industry. Dolphin Drilling owns a fleet of four high technical standard 4th and 5th generation enhanced Aker H3 and H4 units, Borgland Dolphin, Blackford Dolphin, Paul B. Loyd, Jr. and Dolphin Leader operated by an experienced team with a strong operational track record. The company has offshore and onshore offices and operations in Norway, Scotland, Brazil, and Nigeria.

https://news.cision.com/dolphin-drilling-as/r/dolphin-drilling---presentation-of-first-quarter-2024-financial-results%2Cc3987418