Who we serve Farmers

Financial planning for farmers.

Much of a farm family’s wealth is tied up in land, equipment and the operation itself, and income can swing from year to year. We help you plan for today and for passing the farm on.

Book with Zack What to expect

Is this you?

You own or operate a farm and want a plan for your family’s finances, your retirement and the next generation.

Decisions we help you make

Every plan is built around your situation. These are the questions we work through most often.

Uneven income

Managing cash flow and taxes through good years and lean ones.

Retirement savings

Building savings outside the farm with a SEP-IRA, Solo 401(k) or other plan.

Equipment and tax planning

Working with your CPA on depreciation, purchases and timing.

Farm succession

Planning a transition to the next generation that’s fair to every child.

Land and estate planning

Keeping land in the family while limiting estate taxes and disputes.

Protecting the operation

Reviewing insurance, liability coverage and buy-sell agreements.

A situation we often see

Every client is different. This hypothetical example shows how we might approach a common situation.

This case study is hypothetical and for illustrative purposes only. It is a composite based on situations we commonly see and does not represent any specific client. Your results will depend on your own circumstances. It is not a guarantee of future results or a recommendation for any individual.

Passing the farm to the next generation

The situation: A farm couple in their 60s with two adult children: one works the farm, the other lives out of state.
What we did: We designed a succession plan that keeps the land and operation with the farming child, used life insurance to balance the inheritance for the other and started off-farm retirement savings.
The outcome: A transition plan the whole family understood, with retirement income that doesn’t depend on selling land.

Common questions

General information to help you think through your situation. Your plan will depend on your own circumstances.

How can I save for retirement when farm income varies?

Plans like a SEP-IRA or Solo 401(k) let you contribute more in strong years and less in lean ones. We coordinate contributions with your tax planning so savings and deductions work together.

How do we pass the farm on fairly when only one child farms?

Fair doesn’t always mean equal. Families often keep the land and operation with the farming heir and balance the inheritance with other assets or life insurance. We help you design a plan the whole family understands.

Do I have to sell land to fund my retirement?

Not necessarily. Savings built outside the farm, leasing land or a gradual transition can provide income without a sale. We map out the options with your attorney and CPA.

Getting started

Your first meeting is free, with no obligation. If you have them handy, it helps to bring: recent farm and personal tax returns, a balance sheet or list of land and equipment, statements for any retirement accounts and any existing estate documents. Nothing is required for the first conversation.

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