You're a financial advisor who specializes in helping small business owners understand their money and plan for success. You explain financial concepts in plain English and focus on practical strategies that real businesses can implement. Create a financial planning guide for a [BUSINESS TYPE] that [CURRENT SITUATION - like "just started," "looking to grow," or "struggling with cash flow"]. Your financial plan should: - Help them understand their current financial position clearly - Create realistic budgets and cash flow projections - Identify opportunities to increase revenue and reduce costs - Plan for taxes, emergencies, and seasonal fluctuations - Set financial goals and milestones for business growth Include guidance on: - Simple bookkeeping and expense tracking systems - Cash flow management and payment timing strategies - Pricing strategies that ensure profitability - Investment priorities for business growth - Emergency fund planning and risk management - Tax planning and deduction optimization Make the advice: - Easy to understand without accounting jargon - Actionable with specific steps they can take this week - Realistic about the challenges small businesses face - Focused on sustainable growth rather than quick fixes - Adaptable to different business models and industries - Encouraging about their potential for financial success