Introducing Financial Business Planning for SMEs to Reach Sustainability Goals

Sustainability planning offers new paths to business growth. The financial business planning model encourages planners to embrace new ways of evaluating risk and opportunity for their business-owner clients

By

Fred de Jong, Ph.D.; Marcel van Kooten, LL.M., MFP, CFP®; Robert G.J. van Beek, CFP®; and Siem de Ruijter

November 2025

Journal of Financial Planning: November 2025

Dr. Fred de Jong (1971) is an associate professor of sustainable finance and tax at the HAN University of Applied Sciences in The Netherlands, academic director of the Master Integrated Advice SME program, and a self-employed researcher/consultant with specific expertise in financial advice markets, which resulted in a Ph.D. in 2010.