Innovation Ag Outlook Day January 27 th 2016
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1 Innovation Ag Outlook Day January 27 th 2016
2 Goals of this Presentation Define Succession Planning Explain what People are Involved Breakdown the Planning processes Explain some of the tools available Give a sample of a common situation Answer Any Questions
3 What is Succession Planning? A Continuous process to plan for the transfer of knowledge, skills, labour, management, control and ownership of a business between one generation to the next.
4 Succession Planning Includes Retirement Planning Estate Planning Tax Planning Investment Planning
5 Steps in Succession Planning Information gathering/collect data Review critical issues Establish your goals & objectives Consult with professional advisors Analysis & strategy development Identify options & discuss with family Implement the plan!
6 Succession planning is a process, remember nothing is written in stone, this is a process that can be time consuming. It takes a team of people to make sure it is done correctly.
7 Succession Planning Team A Leader Secretary Reporter Do not leave any family members out of the process!!!
8 Team A s List of Processes 1. Collect Data 2. Reviewing Critical Issues 3. Set Goals!
9 Team A s List of Processes 1. Collect data 2. Reviewing Critical Issues 3. Set Goals!
10 Common Issues or Concerns 1. Ownership? 2. Control? 3. Security? 4. Where to Live? 5. Lifestyle Needs? 6. Income Options? 7. Keeping the farm in the family name 8. Marriage Breakdown 9. EQUAL vs EQUITABLE!!!
11 Team A s List of Processes 1. Collect data 2. Reviewing Critical Issues 3. Set Goals
12 Professionals(Team B) 1. Account Manager 2. Financial Planner 3. Accountant 4. Lawyer 5. Investment Advisor and/or Insurance Advisor
13 Team B s Steps 5. Discuss Data and Goals with Advisor 6. Discuss Planning Tools 7. Decide which option is best for you and your family 8. Implement Plan 9. Monitor Plan
14 Planning Tools i. Capital Gains Deduction ii. Capital Gains Reserve iii. Partnerships iv. Life Insurance v. Rollovers vi. Incorporation vii. Will Planning viii.life Interest ix. Forgiveness of Debt x. Trusts
15 Life Example Mom and Dad are the only shareholders in a very successful corporate farm. They both realize that they can t go on for ever, so they decide to investigate their options. Both parents are 55, and they have 2 children. Their son is interested in farming, however he is only 30 years old. The daughter is married with children and a very successful career half the country away.
16 Normal Issues? Son s wife loves farming Daughter doesn t want the farm sold and wants her brother to get it. Son has saved a large amount in hopes of buying the farm Daughter in law works off of farm and earns a great deal Son offers Market Value for all shares and borrows from the Credit Union so that Mom & Dad can retire somewhere warm!
17 Real Life Issues Son s wife hates farming Daughter doesn t want the farm, however feels like the forgotten child. Son has no savings and a manageable amount of debt Daughter in law figures she should be paid for making lunches. Son wants the land so he can make a living at farming, he s not sure how to go about getting involved more
18 Thanks for coming out and please ask any questions you might have.
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