Once this person has a financial template, they can use it to create forms the template will simply guide them through. The mere fact that the template has certain line items _ like the Balance Sheet, for example, forces you to think in a well_organized fashion and gather the information according to the structure of the template _ cash balances, accounts receivable, fixed assets, liabilities, etc. The same goes for a Business Plan. A well_designed financial template can steer you away from making some fundamental mistakes. A client of mine brought me a self_prepared Business Plan once and we both smiled at the many line items he had on his Profit & Loss statement which really belonged on a Balance Sheet. With a professionally designed template, he wouldn't have made that mistake.
Of course, money spent on a designer will buy you peace of mind because you can leave the designer to it, but you'll have to wait for a space in their (possibly busy) schedule to get the job done. A template, on the other hand, is ready when you are. All you need to do is add your words and images, and customise the site to suit your business's identity. In fact, a template excels here because you can fuse your expert knowledge of your business with the template's professional design.