### Color Palette: Soft Neutral Tones for Excel Financial Planner

1. **Warm Beige**
   - **Hex Code:** 
                            
                            #D8CFC4
                        
   - **Description:** A gentle beige that provides a warm and inviting background, ideal for creating a calm environment.

2. **Creamy White**
   - **Hex Code:** 
                            
                            #F5F0E1
                        
   - **Description:** A soft, off-white that adds a touch of brightness without being harsh, perfect for headers and highlights.

3. **Pale Taupe**
   - **Hex Code:** 
                            
                            #BFAF9C
                        
   - **Description:** A muted taupe that balances warmth and sophistication, suitable for text or subtle borders.

4. **Dusty Rose**
   - **Hex Code:** 
                            
                            #E1B7B3
                        
   - **Description:** A soft pinkish hue that brings a hint of color while maintaining a neutral feel, great for accents.

5. **Muted Sage**
   - **Hex Code:** 
                            
                            #A8BFB2
                        
   - **Description:** A pale green that conveys tranquility and stability, ideal for graphs or data segmentation.

6. **Light Stone**
   - **Hex Code:** 
                            
                            #C8C1B6
                        
   - **Description:** A light grey-beige that resembles natural stone, providing a grounded look for financial data.

7. **Soft Lavender**
   - **Hex Code:** 
                            
                            #E4D9E3
                        
   - **Description:** A delicate lavender that adds a subtle touch of elegance, perfect for highlights or secondary data.

8. **Warm Gray**
   - **Hex Code:** 
                            
                            #B7B1A4
                        
   - **Description:** A warm gray that can serve as a neutral backdrop, ensuring that data stands out without overwhelming.

9. **Gentle Sand**
   - **Hex Code:** 
                            
                            #E3D3C6
                        
   - **Description:** A sandy beige that softens the overall palette, making it easy on the eyes for prolonged use.

### Palette Description:
This soft neutral tone palette is designed to create a calming and professional environment for your Excel financial planner. The combination of warm beiges, muted greens, and gentle accents ensures that data is presented clearly while maintaining a serene aesthetic. Perfect for enhancing readability and reducing visual clutter, this palette promotes focus and organization in financial planning tasks.