Financial Model v2.0 - Planning Analysis & Cross-Reference
Author: Claude (Opus 4.6) Date: 2026-02-11 Track: N.6 (GTM & Launch - Financial Model v2.0) Project: PILOT
1. Executive Summary
This document cross-references the 12 structural issues, 23 improvement recommendations, and phased enhancement suggestions from the CODITECT Financial Model v2.1 analysis artifacts against the proposed N.6 task plan. Every identified flaw, issue, and recommendation maps to at least one task. The plan is organized into 8 phases with 38 sub-tasks covering critical fixes through advanced features.
Source Artifacts (all in analyze-new-artifacts/coditect-financial-model-2026-02-04/):
CODITECT_Model_Structural_Issues.md— 12 structural issues (4 critical, 4 high, 4 medium)CODITECT_Improvement_Recommendations.md— 23 enhancements across 6 categoriesCODITECT_Enhancement_Suggestions.md— 4-phase implementation roadmapCODITECT_Customer_Success_Economics.md— CS economics model with NRR projectionsCODITECT_Model_Export.json— Full 60-month model dataCODITECT_Document_Inventory_Final.md— Master artifact index
2. Structural Issues Cross-Reference (12 → 12 Tasks)
Every structural issue maps to a specific N.6 task:
| # | Issue | Severity | Task ID | Phase |
|---|---|---|---|---|
| 1 | Duplicate "Cloud Storage" column header in Expenses | CRITICAL | N.6.1.1 | 1 - Data Integrity |
| 2 | Hardcoded Dashboard burn rate ($50K static) | CRITICAL | N.6.1.2 | 1 - Data Integrity |
| 3 | Customer count display error (0.7 vs ~900K) | CRITICAL | N.6.1.3 | 1 - Data Integrity |
| 4 | Missing customer mix validation (no sum-to-100%) | CRITICAL | N.6.1.4 | 1 - Data Integrity |
| 5 | Pricing dependency chain (Team/Enterprise derived from Individual) | HIGH | N.6.2.2 | 2 - Architecture |
| 6 | Complex churn formula (hard to audit) | HIGH | N.6.2.6 | 2 - Architecture |
| 7 | No funding timing granularity | HIGH | N.6.5.4 | 5 - Cash Flow |
| 8 | Missing Net Revenue Retention (NRR) | HIGH | N.6.3.5 | 3 - Revenue |
| 9 | No working capital model | MEDIUM | N.6.5.1 | 5 - Cash Flow |
| 10 | Fixed expense ratios hardcoded in formulas | MEDIUM | N.6.4.5 | 4 - Expense |
| 11 | No scenario/sensitivity framework | MEDIUM | N.6.2.1 | 2 - Architecture |
| 12 | Inconsistent date handling | MEDIUM | N.6.2.5 | 2 - Architecture |
Coverage: 12/12 (100%)
3. Improvement Recommendations Cross-Reference (23 → 23 Tasks)
Every recommendation maps to a specific N.6 task:
Category 1: Model Structure (4 recommendations)
| # | Recommendation | Priority | Task ID | Phase |
|---|---|---|---|---|
| 1.1 | Scenario switching framework | HIGH | N.6.2.1 | 2 - Architecture |
| 1.2 | Separate inputs/assumptions sheet | HIGH | N.6.2.2 | 2 - Architecture |
| 1.3 | Data validation rules | MEDIUM | N.6.2.3 | 2 - Architecture |
| 1.4 | Named ranges throughout model | MEDIUM | N.6.2.4 | 2 - Architecture |
Category 2: Revenue Model (4 recommendations)
| # | Recommendation | Priority | Task ID | Phase |
|---|---|---|---|---|
| 2.1 | Expansion revenue (upsell/cross-sell) | HIGH | N.6.3.1 | 3 - Revenue |
| 2.2 | Pricing change modeling | MEDIUM | N.6.3.2 | 3 - Revenue |
| 2.3 | Annual contracts vs monthly | MEDIUM | N.6.3.3 | 3 - Revenue |
| 2.4 | Downgrade tracking | LOW | N.6.3.4 | 3 - Revenue |
Category 3: Expense Model (4 recommendations)
| # | Recommendation | Priority | Task ID | Phase |
|---|---|---|---|---|
| 3.1 | Dynamic headcount planning | HIGH | N.6.4.1 | 4 - Expense |
| 3.2 | Department-level expenses | MEDIUM | N.6.4.2 | 4 - Expense |
| 3.3 | Variable commission structure | MEDIUM | N.6.4.3 | 4 - Expense |
| 3.4 | Infrastructure scaling model | LOW | N.6.4.4 | 4 - Expense |
Category 4: Metrics & Analytics (4 recommendations)
| # | Recommendation | Priority | Task ID | Phase |
|---|---|---|---|---|
| 4.1 | Cohort analysis | HIGH | N.6.3.6 | 3 - Revenue |
| 4.2 | Unit economics dashboard | HIGH | N.6.6.1 | 6 - Metrics |
| 4.3 | SaaS benchmark comparison | MEDIUM | N.6.6.2 | 6 - Metrics |
| 4.4 | Quick Ratio (SaaS) | LOW | N.6.6.3 | 6 - Metrics |
Category 5: Cash Flow (4 recommendations)
| # | Recommendation | Priority | Task ID | Phase |
|---|---|---|---|---|
| 5.1 | Working capital model | HIGH | N.6.5.1 | 5 - Cash Flow |
| 5.2 | Deferred revenue accounting | MEDIUM | N.6.5.2 | 5 - Cash Flow |
| 5.3 | CapEx planning & depreciation | LOW | N.6.5.3 | 5 - Cash Flow |
| 5.4 | Funding tranche modeling | LOW | N.6.5.4 | 5 - Cash Flow |
Category 6: Presentation (4 recommendations)
| # | Recommendation | Priority | Task ID | Phase |
|---|---|---|---|---|
| 6.1 | Executive dashboard | HIGH | N.6.6.4 | 6 - Metrics |
| 6.2 | Sensitivity tables | MEDIUM | N.6.6.5 | 6 - Metrics |
| 6.3 | Documentation sheet | MEDIUM | N.6.7.1 | 7 - Presentation |
| 6.4 | Conditional formatting | MEDIUM | N.6.7.2 | 7 - Presentation |
Coverage: 23/23 (100%)
4. Enhancement Suggestions Cross-Reference
Additional items from CODITECT_Enhancement_Suggestions.md and CODITECT_Customer_Success_Economics.md:
| Enhancement | Source | Task ID | Phase |
|---|---|---|---|
| NRR tracking (95% → 106% → 115%) | CS Economics | N.6.3.5 | 3 - Revenue |
| Customer Success economics integration | CS Economics | N.6.6.6 | 6 - Metrics |
| Monte Carlo simulation | Enhancement Phase 4 | N.6.8.1 | 8 - Advanced |
| Comparable company benchmarks | Enhancement Phase 4 | N.6.8.2 | 8 - Advanced |
| Valuation framework (DCF, multiples) | Enhancement Phase 4 | N.6.8.3 | 8 - Advanced |
| Automated data export | Enhancement Phase 4 | N.6.8.4 | 8 - Advanced |
Coverage: 6/6 additional items (100%)
5. Model Data Baseline (from JSON Export)
Key parameters the v2.0 model must preserve or improve:
| Parameter | Current Value | Notes |
|---|---|---|
| Projection Period | 60 months (Aug 2025 - Feb 2030) | Maintain |
| Pricing - Individual | $15/mo, 33.3% annual churn | Simplify churn formula |
| Pricing - Team | $250/mo, 16.7% annual churn | Decouple from Individual |
| Pricing - Enterprise | $1,300/mo, 10% annual churn | Decouple from Individual |
| CAC - Individual | $10 | Add by-channel breakdown |
| CAC - Team | $200 | Add by-channel breakdown |
| CAC - Enterprise | $1,000 | Add by-channel breakdown |
| LTV - Individual | $45 | Recalculate with NRR |
| LTV - Team | $1,500 | Recalculate with NRR |
| LTV - Enterprise | $13,000 | Recalculate with NRR |
| Total Funding | $10.5M (Angel $500K + Seed $10M) | Add tranche timing |
| Breakeven | Month 13 | Validate with new model |
| COGS | 15% of revenue | Make dynamic |
| Marketing | 35% of revenue | Make dynamic |
| R&D | 3.75% of revenue | Make dynamic |
| G&A | 10% of revenue | Make dynamic |
| Cloud | 5% of revenue | Make dynamic |
| Growth Rates | 2.5x→1.5x→1.0x→0.5x→0.25x | Add scenario variants |
6. Task Summary
| Phase | Tasks | Priority | Dependencies |
|---|---|---|---|
| N.6.1: Data Integrity Fixes | 4 | P0 (Critical) | None |
| N.6.2: Model Architecture | 6 | P0-P1 | N.6.1 |
| N.6.3: Revenue Enhancement | 6 | P1 | N.6.2 |
| N.6.4: Expense Enhancement | 5 | P1 | N.6.2 |
| N.6.5: Cash Flow & Capital | 5 | P1 | N.6.2 |
| N.6.6: Metrics & Dashboards | 6 | P1-P2 | N.6.3, N.6.4, N.6.5 |
| N.6.7: Presentation & Docs | 4 | P2 | N.6.6 |
| N.6.8: Advanced Features | 4 | P3 (Post-Core) | N.6.6 |
| Total | 40 |
7. Gap Analysis
Items NOT covered by existing recommendations but added to the plan:
- N.6.5.5: Dynamic burn rate with runway calculation (derived from Issue #2 fix + cash flow work)
- N.6.7.3: Print-ready board reporting format (from Board Reporting Template artifact)
- N.6.7.4: Model user guide (best practice for complex financial models)
Items from source documents intentionally deferred:
- None. All identified issues and recommendations have corresponding tasks.
Conclusion: The N.6 task plan provides complete coverage of all 12 structural issues, 23 improvement recommendations, 6 additional enhancements, and 3 new items identified during planning. Total: 40 tasks across 8 phases.