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Five reasons farmers and rural business owners should speak to one of our financial advisers
Amy Woolliscroft2nd November 2026
Running a farm or rural business involves years of hard work, significant assets and important decisions about the future. The right financial advice can help you protect your wealth, plan ahead and make the most of the opportunities available to you.
1. You’re planning to retire or pass on the business - Retirement and succession planning involve more than deciding who takes over. You need to consider your retirement income, family needs, inheritance tax and how to provide financial security for the next generation.
2. You’re selling land, a farm or a business - A sale can release substantial wealth, but what you do next is crucial. Financial planning can help you structure your proceeds, manage tax liabilities and create a sustainable income for the future.
3. You’re concerned about inheritance tax - Changes to inheritance tax rules make it increasingly important to understand your potential liability. Reviewing your assets, ownership arrangements and estate plan could help protect more of your family’s wealth.
4. Your circumstances or plans have changed - An unexpected illness, a family change, an inheritance or an opportunity to expand your business can all affect your finances. Your financial plan should adapt as your circumstances evolve.
5. You simply don’t have the time - Financial planning can be complicated and time-consuming. An adviser can bring expertise, structure and an objective perspective, leaving you free to focus on everything else.
Your farm or rural business may represent a lifetime of hard work. Make sure you have a financial plan to protect it, make the most of your wealth and secure your family’s future.
Part of financial planning is considering an investment strategy that will consider that values rise and fall particularly in the short term, which is why investing is usually a longer term choice. Staying invested over longer periods can reduce short term market movements, although this doesn't guarantee a positive outcome, as you could still get back less than the amount you invest.
You must also consider that tax treatment can change at any time, as we saw with the changes to IHT, and is always dependent on individual circumstances.
At Accession, providing financial advice to farming families and rural businesses has been our speciality for over 20 years. We understand the unique challenges and opportunities that come with owning farmland, running a rural business and planning for future generations.
From our Oundle office, we provide high-quality, face-to-face financial advice, building long-term relationships based on trust and understanding. Whether you’re planning to retire, sell land or a business, pass wealth to the next generation, manage inheritance tax or invest sale proceeds, we provide tailored advice to help you make informed decisions, protect your wealth and secure your family’s financial future.
Call 01832 279170 or email accession@sjpp.co.uk to arrange to an appointment with one of our advice team.
SJP approved 2/11/2026