Hannah Mann

It was built by people who knew financial, like the CEO, her family comes from farm policy.

Like she knows on a macro level how much this stuff matters.

And so that's the thing that really got me started with Ambrook.

right and you know i think not only a handle on your numbers historically but i think the best approach is a proactive approach where you're looking ahead you know this time of year you know january new me let's start this over um i'm working with clients now and we're actually creating cash flows projecting out the next 12 months we're looking at those fair market value balance sheets which are often ignored in tax right in tax

we don't so much care to track okay how many raised cattle how much raised crops do you have because it has a zero tax basis so the tax accountants are like yeah i don't really care you know what i mean but when we're capturing these fair market value balance sheets we're able to say okay

I see you have this many cold cows.

I see you have, you know, this many raised steers.

Last year, you sold steers in February.

Are you going to sell in February?

And I'm actually predicting out a cash flow for the next 12 months where we can develop a plan to say, OK, if this happens and also, you know, New Year, time to meet with a banker, time to renew that line of credit.

And so when we can look at that and say, OK, in September,

We're probably going to need more money than historically we have.

You know, you're seeing that even a cost of a raised calf takes a lot more capital than it used to.

And so, you know, maybe numbers didn't necessarily increase, but that line of credit needs to to get you through.

Or, you know, if you have a program like Ambrook and we can see, OK, last year we had a heifer operation.

And it did really well.

Maybe now's the time to talk to the banker and bring him the plan, right?

Don't wait for him to suggest it.

Bring him the plan and say, this is what we want to do.

This is how we want to fund it.