Financial Planning

You deserve financial security – the kind that comes from having a well designed and carefully implemented financial plan. You need an investment advisor you can trust to coach you through the financial planning process.

MAR Consulting will create a financial plan tailored to your specific situation, and help you reach your financial goals.

Financial Planning and Analysis (FP&A) plays a crucial role in companies by performing budgeting, forecasting, and analysis that supports major corporate decisions of the CFO, CEO, and the Board of Directors.

For Corporate financial planning and analysis we utilize both quantitative and qualitative analysis of all operational aspects of a company in order to evaluate the company’s progress toward achieving its goals and to map out future goals and plans.

At MAR Consulting we analyze economic and business trends, review past company performance and attempt to anticipate obstacles and potential problems, all with an eye toward forecasting a company’s future financial results.

1. Evaluating whether the company’s current assets and investments are the best use of the company’s excess working capital, looking at return on investment (ROI) and comparisons with other ways the company might utilize cash flow (e.g., other possible investments, increased stock dividends, etc.)
2. Gauging the company’s overall financial health, primarily by using key financial ratios such as the debt to equity ratio, current ratio, and interest coverage ratio
3. Determining which of the company’s products or product lines generate the largest portion of its net profit
4. Identifying which products have the highest profit margin (and which have the lowest) – This is a separate inquiry from the one listed above, as product(s) that carry the highest profit margin may not necessarily be those that generate the greatest amount of total profit – A simple example: Product A may carry a higher profit margin than Product B, but the company may sell substantially more units of Product B
5. Examining and evaluating the cost-efficiency of each department of the company, in light of what percentage of the company’s financial resources each department consumes
6. Working with individual departments to prepare budgets and consolidate them into one overall corporate budget
7. Preparing internal reports for executive leadership and supporting their decision making
8. Creating, updating, and maintaining financial models and detailed forecasts of the company’s future operations
9. Comparing historical results against budgets and forecasts, performing variance analysis to explain differences in performance and make improvements going forward
10. Considering opportunities for the company to expand or grow; map out growth plans, including capital expenditures and investments, and generate three- to five-year financial forecasts

In the end, MAR Consulting provides upper management with analysis and advice regarding how to most effectively utilize the company’s financial resources to increase profitability and grow the company at an optimal rate, while avoiding putting the company at serious financial risk.