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Financial Planning It means deciding in advance how much to spend, on what to spend according to the funds at your disposal. Jain MBA faculty (BISMA) Biyani Institute of science and Management,Financial Management 3 Preface I am glad to present this RATIO ANALYSIS, FINANCIAL PLANNING AND FINANCIAL ANALYSIS The financial statements discussed in Chapter 4 provide valuable information about a firm’s financial and business Need of Financial Planning: According to Cohen and Robbins, financial planning should: 1. Financial planning is at the heart of every successful business. 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