Farmer Mac的动态

Succession planning is crucial to ensuring your farming legacy passes to the next generation in the most tax efficient way, with minimal disruption to both your business and your family. Solicitor Casey Gilroy explains further in this article some of the considerations needed when crafting a succession plan. Our experienced trusted advisors can help make the process as simple as possible for you. To find out more https://loom.ly/yg6q5C0

Empowering Growth: A Balanz Success Story At Balanz Banking Solutions, our commitment to empowering businesses extends beyond financial transactions – it's about fostering growth and realizing potential. Recently, Director Angus Chrisp Crisp and Associate Katie Ervine worked with a beef cattle livestock trading business in North Queensland. Initial discussions revolved around ambitious growth plans, requiring strategic funding and financial guidance. Through review and insightful recommendations, Angus and Katie facilitated significant enhancements for our client: Expanded Finance Facility: A larger finance facility was secured, enabling increased stock purchases and substantial business growth. Projections indicate a promising boost in profitability, estimated at $120k over the next 12 months. Streamlined Processes: As part of the review, unnecessary financial covenants were removed, saving valuable time for our client. With fewer administrative burdens, they can now focus more on enhancing their operations and driving success. Reduced Costs: Negotiations led to a remarkable 1.69% reduction in interest rates and the removal of ongoing limit/line fees further bolstering the financial health of the business. We're immensely proud to have played a role in our client's journey towards prosperity, especially as this client was introduced by an pre-existing Balanz client - the highest compliment we can receive. We look forward to continuing to support their growth aspirations. #BalanzSuccess #BusinessEmpowerment #FinancialGrowth #ClientSuccessStory #BusinessDevelopment #FinancialAdvisory #StrategicFinance #ClientReferral #BusinessPartnership #NorthQueenslandBusiness #LivestockTrading #GrowthStrategy #ClientEmpowerment

Empowering Growth: A Balanz Success Story At Balanz Banking Solutions, our commitment to empowering businesses extends beyond financial transactions – it's about fostering growth and realizing potential. Recently, Director Angus Chrisp Crisp and Associate Katie Ervine worked with a beef cattle livestock trading business in North Queensland. Initial discussions revolved around ambitious growth plans, requiring strategic funding and financial guidance. Through review and insightful recommendations, Angus and Katie facilitated significant enhancements for our client - Expanded Finance Facility: A larger finance facility was secured, enabling increased stock purchases and substantial business growth. Projections indicate a promising boost in profitability, estimated at $120k over the next 12 months. Streamlined Processes: As part of the review, unnecessary financial covenants were removed, saving valuable time for our client. With fewer administrative burdens, they can now focus more on enhancing their operations and driving success. (Spending more time in their business) Reduced Costs: Negotiations led to a remarkable 1.69% reduction in interest rates and the removal of ongoing limit/line fees further bolstering the financial health of the business. We're immensely proud to have played a role in our client's journey towards prosperity, especially as this client was introduced by an pre-existing Balanz client - the highest compliment we can receive. We look forward to continuing to support their growth aspirations. #BalanzSuccess #BusinessEmpowerment #FinancialGrowth #ClientSuccessStory #BusinessDevelopment #FinancialAdvisory #StrategicFinance #ClientReferral #BusinessPartnership #NorthQueenslandBusiness #LivestockTrading #GrowthStrategy #ClientEmpowerment

Early harvest leaves extra time for financial planning By Matt Reese and Dale Minyo While there have been many challenges in 2024, one bright spot is the early conclusion of harvest, which allows more time for planning before the end of the year. “We’ve heard about yields being more variable than we have in previous years. It’s brought some challenges and some uncertainty. Fortunately, overall, we’re hearing it’s a little better than had been expected,” said Brock Burcham, regional vice president for Farm Credit Mid-America (FCMA). “And harvest is getting done early, which could give us additional time to be more prepared for the 2025 season.” The relatively early date of completing harvest for many farms allows time to find strategies to reduce expenses. “We are still early in the whole planning cycle. In many operations we can start sharpening the pencil and looking forward. Hopefully it will give us time to really hone in on the historical costs of inputs.… Continue reading https://lnkd.in/g4ZV2RKD

R.I.P. Farm Financial Reporting – it is dead. Not because the farm economy is worse than it has been in years Not because farmers don’t care about being great business owners Not because a balance sheet, income statement, and cash flows aren’t the three pillars of financial reporting It’s dead because of a lack of effective financial connection with the farm customer It’s dead because saying “farmers wear so many hats’’ sounds empathetic, but doesn’t help to remove the burden that most experience by wearing the CFO hat It’s dead because a weekend workshop with a basketball game, steak dinner, an overview by a crop marketing specialist and a session on “preparing financial statements” doesn’t resonate beyond the following Monday morning mechanical problem It’s dead because being comfortable with a 1st lien on crops and an assignment of crop insurance indemnity payments secures the loan, but doesn’t translate to a genuine action to support the farmer’s efforts to profitability Maybe too much hope did them in??Hope that a majority of farmers in the portfolio would become the financially astute 5%.?Ironic. Farmers need their lender to care enough that they provide financial solutions and products that propagate success, knowing that farmer success increases success for the bank Don't ask them about #crop yields, crop marketing, and then hope they have a marketing plan. Don't wait for #farm customers to walk in the door to ask for a loan. Don't email a 2,000 keystroke spreadsheet to them and expect to them to deliver financial reporting like a CFO. Go to them with meaningful information and data, even questions, that make a difference to their farm business, not just a loan application and approval. Let them #Beafarmer and you be the financial expert #intelligentcropfinance #fintech & #data for #ag #communitybanks and #farmers?

Whether you own a farm, agricultural business, winery, or cash crop, it is important to get ahead of succession planning with a sound exit plan to leave your legacy intact. Join RBC Dominion Securities, Portage M&A Founder Jim Friesen, and other wealth management and tax experts for breakfast as they cover key topics for smooth farm transitions. Breakfast starts at 8 a.m. on Wednesday, June 12. RSVP by Friday, May 31. #SuccessionPlanning #SellingYourBusiness #ExitPlan #ExitStrategy #RiskManagement #TaxPlanning #BusinessTransition #AgriculturalBusiness

Q1 2024 Financial Results have been published https://lnkd.in/e3Z6R9su The Cave Shepherd Group recorded a profit attributable to equity holders of the Company of $3.5 million or Earnings per Share (EPS) of $0.19 for the quarter ended March 31, 2024, compared to a profit of $3.7 million or EPS of $0.20 for the same period in the prior year.?https://lnkd.in/e3Z6R9su

Today, I'm excited to share my analysis of Farmland Partners Inc. (FPI), where I sought to uncover its intrinsic value, evaluate its role as a potential store of value and inflation hedge, and understand how it might contribute to a diversified portfolio. ?? Why FPI? With rising interest in assets that can withstand market fluctuations and offer inflation resilience, I wanted to see if farmland—a historically stable asset class—could bring defensive qualities to an investment portfolio. ?? The Approach: Through a blend of Comparable and NAV Model Analyses, I combined factors like adjusted Price-to-Book ratios, blended appreciation rates, and an Equity Risk Premium to reflect the specific risks of the farmland sector. My analysis also examined FPI’s historical Price-to-NAV ratios to identify fair value ranges, applying a margin of safety to account for inherent sector volatility. This forward-looking approach reflects both the income potential and long-term appreciation of farmland REITs. ?? Key Insight: FPI demonstrates unique characteristics, yet some limitations as a strong inflation hedge surfaced. By combining insights on correlation with inflation indices, portfolio diversification benefits, and FPI’s defensive potential, I present a view tailored to today’s market conditions. Would love to hear your thoughts on investing in farmland as part of a modern portfolio! Disclaimer: This analysis is for informational purposes only and does not constitute financial advice. Please consult with a financial advisor before making investment decisions.

REIT Earnings Preview: Animal Spirits Revived? https://lnkd.in/eaeAXKvi Real estate earnings season kicked into gear this week, and over the next month, we'll hear results from 175 equity REITs, 40 mortgage REITs, and dozens of housing industry companies. The sector with perhaps the most to gain from moderating inflation and a normalization in Fed monetary policy, REITs enter earnings season with upside momentum after a dismal eighteen-month stretch. Sentiment and macroeconomic conditions have improved significantly in the past quarter, fueled by several months of encouraging inflation data pointing once again towards a "soft landing" for the domestic economy. Private real estate markets take far longer to fully reflect "real time" market conditions, so there's likely more distress to come in 2024 - and opportunity for well-capitalized public REITs. Benchmark yields remain 2x higher than the average from 2015-2019. Are the animal spirits coming alive? After a half-decade of being "raided" by private equity firms, macroeconomic conditions are ripe for public REITs to reach into private markets to fuel accretive external growth this year, especially given the muted appetite for new development. REIT Academy & The Executive REIT Masterclass | Seeking Alpha | The Daily REIT Beat Newsletter | David Auerbach | Alex Pettee, CFA | #REITs #Dividends #Investing #Income #Yield #RealEstate #Housing #Stocks #Bonds #HighYield #DividendInvesting #IncomeInvesting #Diversification #Inflation #realassets #investment

?? Last chance to register for today's CPD Qualifying webinar! ?? Protect your clients from Inheritance Tax (IHT) and reserve your place below. Gordon Pugh and Jonathan Arthur will explain how Blackfinch Adapt IHT’s investment strategies make it a leader in the world of investments that help clients mitigate IHT. Advisers tell us it stands out from the crowd from other IHT services in the marketplace due to four compelling reasons: 1. A commitment to capital preservation 2. Low volatility and no negative years 3. Value for money 4. Liquidity when it's needed If you’re interested in knowing more, register your place: https://lnkd.in/eARpm5f5 We look forward to seeing you later! #InheritanceTax #IHT #EstatePlanning #FinancialPlanning #WealthPreservation #LegacyPlanning #FinancialAdvisers #IFAs #WealthAdvisers #ProfessionalDevelopment #CapitalPreservation #TaxMitigation Don’t invest unless you’re prepared to lose all the money you invest. This is a high risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more: https://lnkd.in/exY-vqpd