Your action list — whether you work with us or not
Based on what you shared. Take these to any advisor, or start on your own.
→Make your Roth vs. pre-tax decision intentionally each year — the right answer changes with your income and should not be set on autopilot.
→Start building wealth outside the farm — even modest, consistent contributions to a retirement or brokerage account reduce your concentration risk and extend your runway.
→Review your accounts as a single portfolio — old 401(k)s and IRAs accumulated over time often overlap, carry outdated risk levels, and need to be seen together.
→Model depreciation before you buy — Section 179 and bonus depreciation timing should be decided in the context of your full tax picture, not just the current year.
→Evaluate your business entity structure — the entity that made sense when you started may not be the right fit now. Restructuring can reduce self-employment tax, improve liability protection, and change how you pay yourself.
