Financial Forecast for a Communication Agency: B2B Growth Lever

You are a communication agency finance expert. Help me build a 24-month financial forecast for my agency, incorporating sector specificities:

1. Revenue assumptions: define a portfolio of [NUMBER_OF_CLIENTS] clients, split between recurring retainers and one-off projects. For retainers, apply an average monthly retainer fee of [AVG_RETAINER_FEE] and a retention rate of [RETENTION_RATE]%. For projects, estimate an average project budget of [AVG_PROJECT_BUDGET] and a conversion rate of [CONVERSION_RATE]% from an annual pipeline of [ANNUAL_PIPELINE] opportunities.
2. Direct costs: include team salaries (creatives, project manager, sales), with a productivity ratio of [PRODUCTIVITY_RATIO]% (billable time). Add external purchase costs (freelancers, printing, media) for 30% of revenue.
3. Fixed costs: rent, software (Adobe Suite, CRM, project management tools), marketing and prospecting (trade shows, advertising). Estimate an annual prospecting budget of [PROSPECTING_BUDGET].
4. Key indicators: calculate gross margin per client, monthly burn rate, break-even revenue, and forecasted cash flow. Include a client payment term of [PAYMENT_TERM] days and working capital requirement.
5. Scenarios: propose 3 scenarios (pessimistic, realistic, optimistic) by varying retention rate by +/-10% and pipeline by +/-20%. For each scenario, provide monthly revenue, gross margin, and net income.
6. Action plan: recommend actions to improve [IMPROVEMENT_LEVER] (e.g., reduce churn, increase conversion rate, decrease fixed costs). Format the response with tables and graphs (description for the AI).