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The Importance of a Financial Planner to Grow Your Business | Tips & Ways

Have you made a financial plan for your business? Do you need a financial planner? Then before have you understood what financial planning is, which you can’t get rid of in terms of developing a business? How not, if later your company’s financial budget planning goes smoothly, it will be easier for the company to carry out various marketing strategies.

Not only that, the financial planning includes a cost-benefit analysis to reduce the impact of the company’s liquidity risk. In addition, with financial planning, companies can more easily attract investors or owners of capital. Because of having neat and credible financial reports.

So, being able to pay off short-term and solvent debt, aka being able to pay off long-term debt. Then, people who focus on building financial plans to help clients achieve their ultimate goals are called financial planners. 


How to Make Financial Planning?

If you still need to be confused and need more information about how to make financial planning or financial planning? Listen to the steps and tips below.

Setting Financial Statements 

Financial reports include reports on profit and loss, reports recording transactions in and out, tax reports, and others, in one period. From this financial report, you can find out whether the company has made a profit or loss.

Recording estimates & prioritizing expenditure costs

If you are still asking how to make financial planning or financial planning that is easy and simple, now this is the first record of estimated expenditure transactions.

Often, even though income increases, the company is still recorded at a loss because it does not prepare financial planning or proper financial planning.

Implement spending efficiency to reduce unnecessary waste. It is recommended to divide the expenses into 2 categories, namely: variable costs and fixed costs. Fixed costs for example employee salaries, electricity bills, building rent, etc.

Meanwhile, variable costs for example advertising costs, or other costs whose amount is uncertain every month.

Read also:Financial Statement: Definition, Functions, and Examples

Pay attention to the cash flow

way to make financial planning or the next financial plan is to record cash flows that come in and go out in one period. So, what you need to note here are the types of cash payments and are in the company’s treasury. Including cash income, as well as cash disbursements from company receivables.

Make a balance report

Tips or how to make a financial plan or the next financial plan is a balance sheet report. This report is a list of company assets or assets. It includes liabilities (debt), assets (company assets), and equity (the difference between assets and liabilities).

Analyzing break-even points

A financial plan or financial planning is very important for a business because it also includes components BEP or Break-Even Point. Later, investors will see and use the BEP as a reference to assess whether your company is worthy so that they can provide capital and can move forward in the future.

BEP is an indicator to indicate that the level of business sales is equal to business expenses.

And there are some features of ERP System for Financial Sector from HashMicro that automates your daily business operations and optimizes client requirements fulfillment in a real-time platform. Click here to see the features.

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download skema harga software erp

Responsibilities of the Financial Planner

1. Analyzing the goals and characteristics of the client

Each client certainly has its own goals and characteristics.

Therefore, the financial planner analyzes the goals and characteristics of the client as the first thing should handoff do planner.

These two things will be the main benchmark in financial planning.

2. Evaluating the client’s financial condition

After knowing the goals and characteristics of the client, the financial planner must evaluate the client’s current financial condition.

Some things that need to be evaluated include assets, income, expenses, savings, installments, and other needs. From here, the financial planner will understand what things have not been properly carried out by the client.

3. Make a financial plan

The core of the responsibility of a financial planner is to make a financial plan. They will adapt this plan to the client’s current goals and conditions.

In other words, the financial planner will bridge the client’s current financial position with the financial goals they want to achieve.

4. Delivering the plan

After making a financial plan, a financial planner will convey the plan to the client. 

This stage performs two-way communication. The financial planner will ask the client’s opinion and willingness.

If the client feels that the plan is not meeting his expectations, the financial planner can change the plan based on the feedback.

5. Help carry out the plan

If the financial planner has made a plan and the client agrees, then just carry out the plan immediately. At this stage, the financial planner can help with several things related to the plan, such as opening an account, managing assets, and various things that are requested by the client.

6. Supervise the course of the plan

When you or your company has started to run a financial plan, financial planners can not just hand it off. A financial planner must oversee the course of the plan.

If there is an obstacle, the financial planner must help the client overcome the problem.


Overall, we can conclude that financial planning is not just about preparing funds, but a bigger goal than that is to improve the quality of life for you and your family.

If you have found financial planners the right, and you have also received financial planning from them, then do all the planning seriously, don’t forget to keep them informed about the financial planning you are doing.

To further assist you in financial planning, especially corporate finance and other matters related to accounting, you can use the Accounting Software of the HashMicro ERP system.With the best accounting system, your company will perform cash flow management, financial statement generation, bank reconciliation, adjusting journals, invoicing, and others automatically. Interested? You can try to use this system from HashMicro via this link.



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