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Investment Consulting Business Plan

Appendix

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
Michael Douglas 0% $1,932 $1,932 $1,932 $5,072 $5,072 $5,072 $5,072 $5,072 $5,072 $5,072 $5,072 $5,073
Mark Haynes 0% $1,932 $1,932 $1,932 $5,072 $5,072 $5,072 $5,072 $5,072 $5,072 $5,072 $5,072 $5,073
CFA 0% $1,932 $1,932 $1,932 $5,072 $5,072 $5,072 $5,072 $5,072 $5,072 $5,072 $5,072 $5,073
Operations Director 0% $0 $0 $0 $4,348 $4,348 $4,348 $4,348 $4,348 $4,348 $4,348 $4,348 $4,350
Marketing Analyst 0% $0 $0 $0 $3,261 $3,261 $3,261 $3,261 $3,261 $3,261 $3,261 $3,261 $3,263
Portfolio Manager Assistant/Analyst 0% $0 $0 $0 $2,536 $2,536 $2,536 $2,536 $2,536 $2,536 $2,536 $2,536 $2,538
Administrative Assistant 0% $0 $0 $0 $2,174 $2,174 $2,174 $2,174 $2,174 $2,174 $2,174 $2,174 $2,179
Total People 3 3 3 6 6 6 6 6 6 6 6 6
Total Payroll $5,796 $5,796 $5,796 $27,535 $27,535 $27,535 $27,535 $27,535 $27,535 $27,535 $27,535 $27,549
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
Investment management fee 0% $0 $0 $0 $0 $0 $2,000 $0 $0 $6,000 $0 $0 $10,000
Other 0% $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Sales $0 $0 $0 $0 $0 $2,000 $0 $0 $6,000 $0 $0 $10,000
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
Investment management fee $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Direct Cost of Sales $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
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% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00% 25.00%
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 $0 $0 $0 $0 $2,000 $0 $0 $6,000 $0 $0 $10,000
Direct Cost of Sales $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Cost of Sales $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Gross Margin $0 $0 $0 $0 $0 $2,000 $0 $0 $6,000 $0 $0 $10,000
Gross Margin % 0.00% 0.00% 0.00% 0.00% 0.00% 100.00% 0.00% 0.00% 100.00% 0.00% 0.00% 100.00%
Expenses
Payroll $5,796 $5,796 $5,796 $27,535 $27,535 $27,535 $27,535 $27,535 $27,535 $27,535 $27,535 $27,549
Sales and Marketing and Other Expenses $583 $583 $583 $2,750 $2,750 $2,750 $2,750 $2,750 $2,750 $2,750 $2,750 $2,750
Depreciation $0 $0 $0 $67 $67 $67 $67 $67 $67 $67 $67 $67
Utilities $0 $0 $0 $175 $175 $175 $175 $175 $175 $175 $175 $175
Insurance $0 $0 $0 $167 $167 $167 $167 $167 $167 $167 $167 $167
Rent $0 $0 $0 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500
Insurance $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Payroll Taxes 15% $869 $869 $869 $4,130 $4,130 $4,130 $4,130 $4,130 $4,130 $4,130 $4,130 $4,132
Other $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Operating Expenses $7,249 $7,249 $7,249 $36,324 $36,324 $36,324 $36,324 $36,324 $36,324 $36,324 $36,324 $36,340
Profit Before Interest and Taxes ($7,249) ($7,249) ($7,249) ($36,324) ($36,324) ($34,324) ($36,324) ($36,324) ($30,324) ($36,324) ($36,324) ($26,340)
EBITDA ($7,249) ($7,249) ($7,249) ($36,257) ($36,257) ($34,257) ($36,257) ($36,257) ($30,257) ($36,257) ($36,257) ($26,273)
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 ($7,249) ($7,249) ($7,249) ($36,324) ($36,324) ($34,324) ($36,324) ($36,324) ($30,324) ($36,324) ($36,324) ($26,340)
Net Profit/Sales 0.00% 0.00% 0.00% 0.00% 0.00% -1716.18% 0.00% 0.00% -505.39% 0.00% 0.00% -263.40%
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 $0 $0 $0 $0 $2,000 $0 $0 $6,000 $0 $0 $10,000
Subtotal Cash from Operations $0 $0 $0 $0 $0 $2,000 $0 $0 $6,000 $0 $0 $10,000
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 $1,000,000 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Cash Received $0 $0 $1,000,000 $0 $0 $2,000 $0 $0 $6,000 $0 $0 $10,000
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 $5,796 $5,796 $5,796 $27,535 $27,535 $27,535 $27,535 $27,535 $27,535 $27,535 $27,535 $27,549
Bill Payments $48 $1,453 $1,453 $1,695 $8,722 $8,722 $8,722 $8,722 $8,722 $8,722 $8,722 $8,722
Subtotal Spent on Operations $5,844 $7,249 $7,249 $29,230 $36,257 $36,257 $36,257 $36,257 $36,257 $36,257 $36,257 $36,271
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 $5,000 $5,000 $5,000 $0 $0 $0 $0 $0 $0
Dividends $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Subtotal Cash Spent $5,844 $7,249 $7,249 $34,230 $41,257 $41,257 $36,257 $36,257 $36,257 $36,257 $36,257 $36,271
Net Cash Flow ($5,844) ($7,249) $992,751 ($34,230) ($41,257) ($39,257) ($36,257) ($36,257) ($30,257) ($36,257) ($36,257) ($26,271)
Cash Balance $14,156 $6,907 $999,658 $965,428 $924,171 $884,914 $848,657 $812,400 $782,143 $745,887 $709,630 $683,359
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 $20,000 $14,156 $6,907 $999,658 $965,428 $924,171 $884,914 $848,657 $812,400 $782,143 $745,887 $709,630 $683,359
Other Current Assets $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Current Assets $20,000 $14,156 $6,907 $999,658 $965,428 $924,171 $884,914 $848,657 $812,400 $782,143 $745,887 $709,630 $683,359
Long-term Assets
Long-term Assets $0 $0 $0 $0 $5,000 $10,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000 $15,000
Accumulated Depreciation $0 $0 $0 $0 $67 $133 $200 $267 $333 $400 $467 $533 $600
Total Long-term Assets $0 $0 $0 $0 $4,933 $9,867 $14,800 $14,733 $14,667 $14,600 $14,533 $14,467 $14,400
Total Assets $20,000 $14,156 $6,907 $999,658 $970,361 $934,038 $899,714 $863,391 $827,067 $796,743 $760,420 $724,096 $697,759
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 $1,404 $1,404 $1,404 $8,431 $8,431 $8,431 $8,431 $8,431 $8,431 $8,431 $8,431 $8,433
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 $1,404 $1,404 $1,404 $8,431 $8,431 $8,431 $8,431 $8,431 $8,431 $8,431 $8,431 $8,433
Long-term Liabilities $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
Total Liabilities $0 $1,404 $1,404 $1,404 $8,431 $8,431 $8,431 $8,431 $8,431 $8,431 $8,431 $8,431 $8,433
Paid-in Capital $25,000 $25,000 $25,000 $1,025,000 $1,025,000 $1,025,000 $1,025,000 $1,025,000 $1,025,000 $1,025,000 $1,025,000 $1,025,000 $1,025,000
Retained Earnings ($5,000) ($5,000) ($5,000) ($5,000) ($5,000) ($5,000) ($5,000) ($5,000) ($5,000) ($5,000) ($5,000) ($5,000) ($5,000)
Earnings $0 ($7,249) ($14,497) ($21,746) ($58,070) ($94,393) ($128,717) ($165,041) ($201,364) ($231,688) ($268,011) ($304,335) ($330,675)
Total Capital $20,000 $12,751 $5,503 $998,254 $961,930 $925,607 $891,283 $854,959 $818,636 $788,312 $751,989 $715,665 $689,325
Total Liabilities and Capital $20,000 $14,156 $6,907 $999,658 $970,361 $934,038 $899,714 $863,391 $827,067 $796,743 $760,420 $724,096 $697,759
Net Worth $20,000 $12,751 $5,503 $998,254 $961,930 $925,607 $891,283 $854,959 $818,636 $788,312 $751,989 $715,665 $689,325