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Farm Succession Planning Kit
The financial plan every farm family needs before they call the attorney.
Succession Plan
Master assumptions sheet — family info, operation overview, full asset valuation at FMV and ag value, liabilities, net worth. Transfer structure with seller-financed land sale, retained acres, equipment installment, and life insurance for off-farm heirs.
20-Year Cash Flow
Dual projections for Gen 2 operating cash flow and Gen 1 retirement income running side by side. Every year shows green or red for both generations. Gen 2 net worth growth tracking with land appreciation and declining debt.
Retirement Readiness
Detailed monthly living budget, Social Security timing at 62/65/67/70, farm income sources, gap analysis before and after SS, health insurance bridge calculator, long-term care risk, and nest egg projection with 4% withdrawal rule.
Heir Equalization
Farming heir vs off-farm heir value comparison. Shows what each heir receives, fairness check ratio, and equal share calculator showing additional insurance or assets needed to equalize.
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