Advicers.The community for everyone in financial advice who cares about techJoin · $49/mo →
Pick your niche / Niche moments
Farmers and ranchers

10 moments for farmers and ranchers.

Name the moment, not the job title. Each one has a hook line to open a post or video with, its ringtone (the letter, bill or date people react to before they think) and what's at stake.

  1. Taking over the family farm

    “Taking over the farm from your parents? Get the deal in writing, including what your siblings get.”
    Ringtone
    The succession conversation
    What's at stake
    Transfer terms, fairness and debt.
  2. A bad harvest year

    “Drought year? Crop insurance and a cash reserve keep a bad year from becoming a crisis.”
    Ringtone
    The crop insurance claim
    What's at stake
    Volatile income needs reserves and insurance planning.
  3. A great harvest year

    “Record prices this year? Deferring income to next year can cut your taxes.”
    Ringtone
    Grain sale contracts
    What's at stake
    Income averaging and deferral reduce tax spikes.
  4. Buying more land

    “Neighbor's land is for sale. Run the debt service against bad years before you bid.”
    Ringtone
    The land auction
    What's at stake
    Expansion debt and cash flow risk.
  5. Equipment purchase

    “Buying equipment before December to cut taxes? Make sure you needed it anyway.”
    Ringtone
    The dealer's year-end deal
    What's at stake
    Depreciation can drive bad decisions.
  6. Off-farm job for health insurance

    “One of you works off the farm for the health insurance. Plan around that.”
    Ringtone
    Open enrollment
    What's at stake
    Health coverage is a major farm family expense.
  7. Retirement without a pension

    “The farm is your retirement. Without a plan, you can't retire without selling it.”
    Ringtone
    Turning 60
    What's at stake
    Farmers often have most wealth in land and need income planning.
  8. Estate tax and the farm

    “Your farm may be worth more than you think. Plan the estate before the land has to be sold.”
    Ringtone
    A land appraisal
    What's at stake
    Estate tax, special use valuation and gifting.
  9. Leasing land out

    “Renting your land to the next generation or a neighbor? The lease terms affect taxes and Social Security.”
    Ringtone
    The cash rent lease
    What's at stake
    Lease structure matters for income and benefits.
  10. Selling development rights

    “A developer wants your land. A conservation easement may be another option.”
    Ringtone
    The developer's offer
    What's at stake
    Sales, easements and taxes.

Make a video about one See advisors for farmers and ranchers

General education, not financial advice. Check rules and figures against current law before you publish.