As a true business partner, we are available to help you find ways to increase your return on investment as well as deal with business problems and opportunities you face. Our goal is to help you make the right decisions for the future of your business. Whether you face questions related to expanding, selling, or restructuring your business, we have the necessary business acumen, analytical capabilities, and access to multiple strategies. Additionally, the business entity—LLP, LLC, sole proprietorship, partnership, corporation, etc.— that you select for your business has enormous financial and tax implications. Working with your CPA, we can explore each choice and its ramifications. As your business grows and changes, the type of business entity you choose may need to change as well.

“Key man” life insurance covers business owners as well as key people whose sudden absence might sink your farm. In a tragic situation, key man insurance provides your agricultural operation with cash, therefore options other than bankruptcy. (NOTE: With key man insurance, the company is the beneficiary and pays the premiums. Don’t confuse key man insurance with personal life insurance. If you have a spouse and/or children who depend on your income, then you should have personal life insurance for that purpose.) Alternatively, depending on your structure, we can also provide “buy/sell agreements” or buyout agreements—contracts funded by a life insurance policy that help minimize the turmoil caused by the sudden departure, disability or death of a business owner or partner by infusing the business with cash.

Someday, you may want to retire or sell your business. If you want your farm to continue after you are gone, you have to put strategies in place to help ensure that it does. We can work with your legal and accounting experts to implement a holistic plan for succession or exit.

While we do not give tax advice, we can work in tandem with your CPA to find solutions to tax problems. Return on investment can be increased by simply finding ways to mitigate taxes, allowing you to keep more of your hard-earned profits.

If you need to raise capital, we can help. Whether it’s an IPO (Initial Public Offering) of stocks or bonds, or access to private investors, we can provide solutions to help you raise the money you need to grow to the next level.

Qualified retirement plans can help you and your employees save the maximum amount for retirement in a tax-advantaged manner. Depending on the structure of your small business, number of employees you have, and your retirement goals, we can help you set up a 401(k), SEP IRA, SIMPLE IRA or solo 401(k) to help you save for retirement in the most tax-advantaged manner possible. Offering retirement benefit plans can help you attract and retain top talent, while allowing you to save for your own retirement as well.