Financial Planning Business Plan

Grizzly Bear Financial Managers

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Appendix

Sales Forecast
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
Sales
Estate planning 0% $0 $2,145 $2,254 $3,215 $3,654 $3,985 $4,124 $4,456 $4,874 $5,014 $5,214 $5,365
Investing 0% $0 $1,245 $2,187 $3,354 $3,547 $3,845 $4,215 $4,545 $4,774 $5,023 $4,878 $4,978
Total Sales $0 $3,390 $4,441 $6,569 $7,201 $7,830 $8,339 $9,001 $9,648 $10,037 $10,092 $10,343
Direct Cost of Sales Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
Estate planning $0 $172 $180 $257 $292 $319 $330 $356 $390 $401 $417 $429
Investing $0 $100 $175 $268 $284 $308 $337 $364 $382 $402 $390 $398
Subtotal Direct Cost of Sales $0 $271 $355 $526 $576 $626 $667 $720 $772 $803 $807 $827
Personnel Plan
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
Meghan 0% $3,500 $3,500 $3,500 $3,500 $3,500 $3,500 $3,500 $3,500 $3,500 $3,500 $3,500 $3,500
Administrative Assistant 0% $0 $1,920 $1,920 $1,920 $1,920 $1,920 $1,920 $1,920 $1,920 $1,920 $1,920 $1,920
Total People 1 2 2 2 2 2 2 2 2 0 2 2
Total Payroll $3,500 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420
General Assumptions
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
Plan Month 1 2 3 4 5 6 7 8 9 10 11 12
Current Interest Rate 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
Long-term Interest Rate 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
Tax Rate 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%
Other 0 0 0 0 0 0 0 0 0 0 0 0
Pro Forma Profit and Loss
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
Sales $0 $3,390 $4,441 $6,569 $7,201 $7,830 $8,339 $9,001 $9,648 $10,037 $10,092 $10,343
Direct Cost of Sales $0 $271 $355 $526 $576 $626 $667 $720 $772 $803 $807 $827
Other Production Expenses $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Cost of Sales $0 $271 $355 $526 $576 $626 $667 $720 $772 $803 $807 $827
Gross Margin $0 $3,119 $4,086 $6,043 $6,625 $7,204 $7,672 $8,281 $8,876 $9,234 $9,285 $9,516
Gross Margin % 0.00% 92.00% 92.00% 92.00% 92.00% 92.00% 92.00% 92.00% 92.00% 92.00% 92.00% 92.00%
Expenses
Payroll $3,500 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420
Sales and Marketing and Other Expenses $100 $100 $100 $100 $100 $100 $100 $100 $100 $100 $100 $100
Depreciation $38 $38 $38 $38 $38 $38 $38 $38 $38 $38 $38 $38
Leased Equipment $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Utilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Insurance $150 $150 $150 $150 $150 $150 $150 $150 $150 $150 $150 $150
Rent $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500
Payroll Taxes 15% $525 $813 $813 $813 $813 $813 $813 $813 $813 $813 $813 $813
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Operating Expenses $5,813 $8,021 $8,021 $8,021 $8,021 $8,021 $8,021 $8,021 $8,021 $8,021 $8,021 $8,021
Profit Before Interest and Taxes ($5,813) ($4,902) ($3,935) ($1,978) ($1,396) ($817) ($349) $260 $855 $1,213 $1,264 $1,495
EBITDA ($5,775) ($4,864) ($3,897) ($1,940) ($1,358) ($779) ($311) $298 $893 $1,251 $1,302 $1,533
Interest Expense $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Taxes Incurred $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Net Profit ($5,813) ($4,902) ($3,935) ($1,978) ($1,396) ($817) ($349) $260 $855 $1,213 $1,264 $1,495
Net Profit/Sales 0.00% -144.61% -88.61% -30.10% -19.39% -10.44% -4.19% 2.89% 8.86% 12.09% 12.52% 14.45%
Pro Forma Cash Flow
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
Cash Received
Cash from Operations
Cash Sales $0 $3,390 $4,441 $6,569 $7,201 $7,830 $8,339 $9,001 $9,648 $10,037 $10,092 $10,343
Subtotal Cash from Operations $0 $3,390 $4,441 $6,569 $7,201 $7,830 $8,339 $9,001 $9,648 $10,037 $10,092 $10,343
Additional Cash Received
Sales Tax, VAT, HST/GST Received 0.00% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
New Current Borrowing $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
New Other Liabilities (interest-free) $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
New Long-term Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Sales of Other Current Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Sales of Long-term Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
New Investment Received $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Cash Received $0 $3,390 $4,441 $6,569 $7,201 $7,830 $8,339 $9,001 $9,648 $10,037 $10,092 $10,343
Expenditures Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
Expenditures from Operations
Cash Spending $3,500 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420 $5,420
Bill Payments $76 $2,294 $2,837 $2,924 $3,090 $3,141 $3,191 $3,232 $3,285 $3,336 $3,366 $3,371
Subtotal Spent on Operations $3,576 $7,714 $8,257 $8,344 $8,510 $8,561 $8,611 $8,652 $8,705 $8,756 $8,786 $8,791
Additional Cash Spent
Sales Tax, VAT, HST/GST Paid Out $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Principal Repayment of Current Borrowing $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other Liabilities Principal Repayment $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Long-term Liabilities Principal Repayment $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Purchase Other Current Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Purchase Long-term Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Dividends $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Cash Spent $3,576 $7,714 $8,257 $8,344 $8,510 $8,561 $8,611 $8,652 $8,705 $8,756 $8,786 $8,791
Net Cash Flow ($3,576) ($4,324) ($3,816) ($1,775) ($1,309) ($731) ($272) $349 $943 $1,281 $1,306 $1,552
Cash Balance $15,224 $10,901 $7,085 $5,310 $4,000 $3,270 $2,998 $3,347 $4,290 $5,571 $6,877 $8,429
Pro Forma Balance Sheet
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
Assets Starting Balances
Current Assets
Cash $18,800 $15,224 $10,901 $7,085 $5,310 $4,000 $3,270 $2,998 $3,347 $4,290 $5,571 $6,877 $8,429
Other Current Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Current Assets $18,800 $15,224 $10,901 $7,085 $5,310 $4,000 $3,270 $2,998 $3,347 $4,290 $5,571 $6,877 $8,429
Long-term Assets
Long-term Assets $2,300 $2,300 $2,300 $2,300 $2,300 $2,300 $2,300 $2,300 $2,300 $2,300 $2,300 $2,300 $2,300
Accumulated Depreciation $0 $38 $76 $114 $152 $190 $228 $266 $304 $342 $380 $418 $456
Total Long-term Assets $2,300 $2,262 $2,224 $2,186 $2,148 $2,110 $2,072 $2,034 $1,996 $1,958 $1,920 $1,882 $1,844
Total Assets $21,100 $17,486 $13,125 $9,271 $7,458 $6,110 $5,342 $5,032 $5,343 $6,248 $7,491 $8,759 $10,273
Liabilities and Capital Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12
Current Liabilities
Accounts Payable $0 $2,199 $2,740 $2,821 $2,986 $3,034 $3,083 $3,122 $3,174 $3,224 $3,254 $3,258 $3,277
Current Borrowing $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other Current Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Current Liabilities $0 $2,199 $2,740 $2,821 $2,986 $3,034 $3,083 $3,122 $3,174 $3,224 $3,254 $3,258 $3,277
Long-term Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Liabilities $0 $2,199 $2,740 $2,821 $2,986 $3,034 $3,083 $3,122 $3,174 $3,224 $3,254 $3,258 $3,277
Paid-in Capital $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000 $22,000
Retained Earnings ($900) ($900) ($900) ($900) ($900) ($900) ($900) ($900) ($900) ($900) ($900) ($900) ($900)
Earnings $0 ($5,813) ($10,715) ($14,650) ($16,628) ($18,024) ($18,841) ($19,191) ($18,931) ($18,076) ($16,862) ($15,599) ($14,104)
Total Capital $21,100 $15,287 $10,385 $6,450 $4,472 $3,076 $2,259 $1,909 $2,169 $3,024 $4,238 $5,501 $6,996
Total Liabilities and Capital $21,100 $17,486 $13,125 $9,271 $7,458 $6,110 $5,342 $5,032 $5,343 $6,248 $7,491 $8,759 $10,273
Net Worth $21,100 $15,287 $10,385 $6,450 $4,472 $3,076 $2,259 $1,909 $2,169 $3,024 $4,238 $5,501 $6,996
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