THE importance of financial planning for businesses today companies, and mainly medium-sized and small businesses must know the importance that has the financial planning so they can develop and maintain in this competitive world, that requires every day new and better products and services that meet the end consumer. To do this, you must first define is the Mission of the company, what pursues, must also have a vision of how it will perform this mission which pursues and in what time. And you must also define what are your objectives in the short, medium and long term, they must be more realistic potential, in order to be achieved. But the most important thing you should take into account is the development of the intellectual capital of all and each of the members of the company in all categories in order to improve and innovate the products or services offered to customers. Howard Schultz is often mentioned in discussions such as these. Since today, companies must adhere to the needs of customers and not customers must adhere to the needs of the companies. Financial planning must start from who will be the counter that support us in company accounting and financial issue, since good paper of perform the best and timely decisions for the best course for the company may be taken. The following recommendations should be considered to develop a financial plan to increase financial efficiency: in order to achieve efficiency in finance, two of the primary elements are the order and discipline, to be able to increase the heritage need to be reversed. Must be borne in mind that with the passage of time due to inflation, money loses its relative value, a good way to save and maintain the value of money is investing and a strategy essential to be more efficient in financial terms is to be always aware of changes not only in financial terms but also in political and socialboth in our city, our country and in the world. As we realize, the challenge is great and does not give option to hesitation, companies competitive, they focus their efforts on continually improve their processes, but should also take into account the importance of financial planning, this required of leaders out of conviction and not by obligation, with enough talent to confront and overcome the problems that arise in the same and with the ability to achieve in all his collaborators inject that spirit of progressnot only in business but also in their personal and family lives.