Cindy Bojanski - CFP®, RICP® Financial Advisor

Woman holds young boy on farm — Estate planning with life insurance can provide a fair inheritance for all heirs, keeping keep farm succession plans smooth and balanced for all family members.

Ideas for Estate and Transition Planning: Life Insurance Inheritance Equalization

October 24, 2024

Learn how farmers can use life insurance to divide assets between "on-farm" and "off-farm" heirs, ensuring a fair distribution of assets upon passing of the insured.

Two men look at paperwork near field — Always consult legal and financial professionals for structuring agreements for your estate.

Ideas for Estate and Transition Planning: Life Insurance Backed Buy-Sell Agreement

October 11, 2024

This article discusses how farm and ranch families can use a life insurance policy to ensure liquidity for on-farm heirs who must buy out siblings' shares upon a parent's death.

Family members stand together near vehicle — Life insurance can be a key tool for farm and ranch businesses to provide tax-free death benefits at the death of the insured if the policy is structured correctly. (CAP photo)

Ideas for Estate and Transition Planning: Life Insurance for Debt Coverage

September 26, 2024

This article highlights the importance of life insurance for farmers and ranchers in estate planning to cover debt, ensuring liabilities are paid off upon death.

Man and woman walk with children in field — Farm families can use life insurance as part of estate and transition planning to ensure financial security and smooth business succession for future generations.

Ideas for Estate and Transition Planning: Life Insurance

September 20, 2024

Life insurance can be a valuable tool for farm families, offering tax-free death benefits if structured properly. This article outlines the types of life insurance and their roles in debt coverage, estate equalization and income replacement.