The correct answer is: We have worked on a financial plan. The present perfect of the verb “work” is "have worked."
The present perfect is a tense that implies that the action started in the past and it may or may not continue to the present but it is relevant to inform at the present time that the action has taken place. The present perfect is formed using the auxiliary verb "have" together with the present participle of the main verb.
The present paticiple of the verb "work" is "are working". Because the present is when you are doing something now and so, "We <u>are working</u> on a financial plan" you are doing it in the present right now. Hope this helped! :P
