A comfortable future, built on the work today.

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A winning financial plan isn't just focused on today's cash flow, it's about preparing for retirement. Unfortunately, too many people think of retirement planning as a luxury rather than a necessity. At Farmer, we always have an eye towards the future. By integrating your retirement planning along with your tax planning and payroll, we can optimize your future savings and cash flow, without sacrificing the creature comforts of today. And did we mention the HR benefits of offering retirement and the overall future health of your business?

Planning Services

  • Retirement planning and execution
  • All types of investment vehicles: 401(k), Simple IRA, SEP, Corporate, personal IRA
  • Cash flow analysis to help project both retirement and debt
  • Tax Planning and Optimization
  • Insurance Analysis and Planning
  • Philanthropic Planning
  • Real Estate Investment Planning
  • Social Security Optimization
  • Family Governance and Education
  • Debt analysis to maximize lending and minimize cost
  • Business maturation and selling
  • Estate Planning and Wealth Transfer
  • Investment Management
  • Education Funding Strategies
  • Healthcare Planning in Retirement
  • Liquidity and Cash Management
  • Specialized Retirement Accounts for Business Owners
  • Overall financial planning that is set on obtaining a secure future


You can access the stock market and investment vehicles integrated with the overall financial well-being of you and your company.


We utilize the synergies of financials, tax, and payroll to make retirement as economically easy as possible.


We analyze your taxes to help ease your current burdens and maximize future cash flow.

Did you know?



of people 65 or older are still working.



of all wage earners don't think they'll ever be able to retire.



of small business owners feel positive about their retirement plan.



of small business owners think they'll outlive their retirement money.

Have any questions?

Unless you're a CPA, you probably do. Here are answers to some of our clients' most frequently asked questions.

Financial planning is imperative to making your dreams a reality. Most dream of retirement, and yet most are not planning for it. Many businesses focus too much on the now without setting money aside for later. Diversifying your cash flow will help you weather future storms and set up an ideal retirement situation.

Day by day, paycheck by paycheck. It is the small, incremental habits that make a significant impact on your lifetime finances. Having an accountant invested in your long-term financial goals will help you make those immediate, small changes and keep you on course. An accountant who looks beyond compliance towards complete financial well-being would be a great way to get ahead those lifetime goals.

Time, time, time. Now is the time to set your goals and a course of action to achieve them. Set a debt payoff. Start saving for retirement. Find an accountant who is invested not only in your business, but in you, to help with all this. There’s no better time to face your future with hope and excitement than the present.

Debt is not bad. Debt is a basic tenet of business in our current world. Learning to work with banks and finding the most optimal debt position and interest rates with the help of an accountant will ease your anxiety around debt. Setting a financial plan that includes paying off any debt in a timely way will maximize your opportunity and put your dreams in reach.

Most failed business plans for small businesses have a mixture of burdensome debt, mismanaged cash flow, and ignored business principles. A good accountant will steer you away from those dangerous cliffs, raise red flags early, and be a straight shooter. Your livelihood, your security, and your future are too important to not have a qualified accountant helping to navigate the pitfalls of risky business behavior.

Additional Services

Explore the other services Farmer has to offer to see how each piece fits within the strategy of your financial success.

Ready to Work Together?

We’re not your typical CPA. That’s OK, you’re probably not a typical business. Let us help you craft some financial goals tailored to your business. Relax, we’ve got this!