To create a Financial Plan, you must have an Action Plan created first. The create an action plan, click Plans, Action Plan.
If you ever get stuck creating a Financial Plan (the button is greyed out) is because an Action Plan needs to be in place. To create a Financial Plan, the figures need to be played with using the 5 Levers of Success on the Future screen (Numbers tab, Future) or created within the Action Plan itself.
Once you've created an Action Plan, the Create button will appear on the Financial Plan screen.