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Farming Finance Health Check

How healthy is your farming business financially? Take a few minutes to assess where your agribusiness stands today.

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Growing Stronger Farming Businesses and Creating Your Legacy

Whether you're managing a family farm, expanding your operation, planning for retirement or preparing the next generation, our team is here to help you navigate every stage of your business and wealth journey.

Take our full Finance Health Check →

Your Trusted Partner in Agriculture

Agriculture is more than a business.
It's a way of life.

At Strategem Financial Services, we understand the unique challenges faced by farmers and agribusiness owners, from seasonal fluctuations and cash flow pressures to succession planning and changing regulations.

Our integrated team of accountants and financial advisors work together to provide practical advice tailored to your goals.

We help Farmers and Agribusinesses…

✔ Improve profitability

✔ Manage tax effectively

✔ Plan for succession

✔ Build personal wealth

✔ Protect assets and income

✔ Create long-term financial security

OUR AGRIBUSINESS SERVICES

Tax & Accounting for Farming Families

Helping you make informed decisions with confidence.

  • Our Services Include

    Tax Planning & Compliance

    • Individual and business tax returns

    • Primary production concessions

    • Farm Management Deposits (FMDs)

    • Capital Gains Tax planning

    • GST and BAS preparation

    Business Accounting

    • Financial statements

    • Cash flow forecasting

    • Benchmarking and performance analysis

    • Budget preparation

    • Management reporting

    Business Structures

    • Companies

    • Trusts

    • Family groups

    • Asset protection planning

    Agribusiness Advisory

    • Expansion planning

    • Equipment and machinery investments

    • Land acquisitions

    • Business restructuring

    • Financing support

Financial Planning for Farming Families

Many farming families have a significant portion of their wealth tied up in land and business assets. We help you create financial security both on and off the farm.

  • Our Financial Planning Services

    Wealth Creation

    • Investment strategies

    • Diversification planning

    • Superannuation strategies

    • Retirement savings

    Retirement Planning

    • Transition to retirement

    • Retirement income strategies

    • Farm exit planning

    Family Wealth

    • Intergenerational wealth transfer

    • Estate planning support

    • Beneficiary planning

    Personal Risk Protection

    • Life insurance

    • Income protection

    • Trauma insurance

    • Total and Permanent Disability cover

CLIENT SUCCESS STORY // Case Study #1

Supporting Growth and Succession

A local farming family approached Strategem Financial Services seeking advice on farm expansion while also planning for retirement and the future involvement of their children.

By bringing together our accounting and financial planning teams, we helped:

✔ Improve cash flow management
✔ Structure future growth opportunities
✔ Develop a succession roadmap
✔ Implement retirement strategies
✔ Protect family wealth

Today, the family has a clear plan for the future and confidence in their next chapter.

  • After decades of building a successful farming enterprise, John and Margaret (names changed for privacy) began thinking seriously about retirement. Like many farming families, much of their wealth was tied up in land, machinery and the business itself. While they wanted the confidence of knowing their retirement was secure, they were equally committed to ensuring the farm could continue operating successfully for the next generation.

    They faced several important questions:

    • How would they generate a reliable retirement income?

    • Were they making the most of their superannuation opportunities?

    • What was the best way to transfer ownership and management of the farm?

    • How could they diversify their wealth outside of farming assets?

    • What estate planning and future aged care considerations should be addressed?

  • Working alongside Strategem's Financial Planning and Accounting teams, John and Margaret developed a comprehensive retirement and succession strategy tailored to their family's goals.

    Together, we reviewed their financial position, explored retirement income options, maximised superannuation opportunities, and created a clear roadmap for passing the farm to the next generation. We also helped them diversify part of their wealth outside the farming business to improve long-term financial security and flexibility.

  • John and Margaret now have confidence in their retirement plans, knowing they can maintain the lifestyle they've worked hard to achieve while supporting the future success of the family farm. With a clear succession pathway in place and greater certainty around their financial future, they have peace of mind that both their family and business are well positioned for the years ahead.

Top 10 Questions We Get Asked By Clients

  • There are a range of strategies available to primary producers, including Farm Management Deposits (FMDs), income averaging, asset depreciation provisions and effective business structuring. The right approach depends on your circumstances, business goals and future plans.

  • As farming operations grow, structures that once worked may no longer provide the best outcomes. Reviewing your business structure can help improve tax effectiveness, asset protection, succession outcomes and business flexibility.

  • The ATO requires accurate and up-to-date records of income, expenses, assets, livestock, fuel tax credits, GST claims and other business transactions. Good record-keeping not only supports compliance but can also improve business decision-making.

  • Ideally, succession planning should begin years before retirement or ownership transfer is expected. Early planning allows families time to have important conversations, explore options and develop a strategy that supports both family and business goals.

  • This is one of the most common succession planning challenges. Every family situation is different, but a well-designed succession plan can help balance fairness, family harmony, business continuity and financial sustainability.

  • Preparing future leaders involves more than transferring ownership. Financial literacy, business skills, governance, decision-making and practical experience all play an important role in a successful transition.

  • Many farming families have significant assets but limited liquid wealth. Retirement planning may involve superannuation strategies, wealth diversification, succession planning and creating reliable retirement income streams.

  • Diversifying investments can help reduce risk and provide additional income sources in retirement. A financial plan can help determine whether investing outside the farm aligns with your long-term objectives.

  • Risk management strategies such as life insurance, income protection, key person insurance, buy-sell arrangements and estate planning can help protect both your family and the future of the business.

  • At a minimum, farming businesses should review their financial performance annually. However, periods of growth, major purchases, succession discussions, seasonal challenges or legislative changes may warrant more frequent reviews.

Your Farming Business. Your Future. Our Expertise.

Whether you're growing your operation, preparing for retirement or planning for the next generation, Strategem is here to help.

Book a Complimentary Agribusiness Strategy Discussion with our team today.

BOOK NOW →

BENDIGO

Phone: 03 5445 4777
Email: info@strategem.com.au
Address:
35 Mundy Street, Bendigo, VIC 3550

MELBOURNE

Phone: 03 8621 8100
Email: info@strategem.com.au
Address:
Level 7, 333 Collins Street, Melbourne, VIC 3000