Traditional financial planning works well for many families and business owners, but farming isn’t just another business. It’s deeply tied to land, weather, community, and values in ways that standard financial models don’t always capture. It’s cyclical, volatile, and influenced by forces beyond human control.

The result? A gap—not because financial professionals lack expertise, but because they’re often applying the wrong playbook.

Most farmers I talk to don’t have a financial plan. They have a bookkeeping system (or a shoebox full of receipts). They have a tax preparer (or a last-minute scramble in March). They might even have a business budget. But a real financial plan? One that helps them build wealth, make smart money moves, and align their money with their values? Not so much.

And here’s why that’s a problem:

Money that doesn’t have a plan gets spent.