Arnett CPA / Arnett Crop Insurance

Name: Arnett CPA / Arnett Crop Insurance
Address: 127 S Morgan Street, Morganfield, KY, 42437, US
Telephone: +12708327014

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Arnett CPA / Arnett Crop Insurance

CPA & CMA serving grain farmers. A CPA brings accounting expertise. A CMA brings financial strategy and profitability analysis.

Year-round CFO guidance and crop insurance — both built around your operation's numbers.

09/02/2026

CROP RATINGS ARE BECOMING BUSHELS.

USDA says 62% of the corn crop is dented and 13% is mature. Soybeans are 95% setting pods, with leaf drop already underway.

We’re reaching the point where the farm’s financial plan should start replacing spring budget assumptions with actual field evidence.

Before harvest, update:

Realistic yield expectations
Cost of production per bushel
Priced and unpriced bushels
Expected harvest receipts
Drying and storage costs
Operating-line payoff
Fall debt payments
Year-end working capital

A 10-bushel change in yield doesn’t just change production.

It changes cost per bushel, available inventory, cash flow, debt repayment capacity and the number of bushels available to market.

The closer we get to harvest, the less valuable the original budget becomes—and the more valuable an updated forecast becomes.

Fractional CFO for Farmers.

08/31/2026

THE MARKET RALLIED. DID YOUR MARGIN?

Corn, soybeans and wheat have all given grain farmers something they haven't had enough of lately:

Better pricing opportunities.

But a higher futures price doesn't automatically mean a profitable sale.

Before deciding what to do with the rally, update:

Current cash bids and basis
Expected yield
Cost of production per bushel
Bushels already priced
Bushels remaining exposed
Harvest cash-flow requirements
Operating-line payoff target
Year-end working capital

Then calculate the actual margin available today.

If the market has improved your expected return by $30, $50 or $75 per acre, decide how much of that improvement you're willing to put back at risk waiting for another rally.

Prices move daily. Margins are what matter.

Stay informed. Make confident decisions.

08/28/2026

SEPTEMBER 30 IS CLOSER THAN IT FEELS.

For Illinois grain farmers, the upcoming crop-insurance discussion should include two separate decisions:

Winter wheat MPCI coverage
MCO for eligible corn and soybean acres

These are not just insurance decisions. They are financial-risk decisions.

Before the September 30 deadline, review:

Wheat acres intended for fall planting
APH and coverage level options
Enterprise/unit structure
Revenue protection needs
Cost of production
Working capital exposure
Operating debt
Whether MCO fits eligible corn and soybean acres
How coverage coordinates with the grain marketing plan

MCO is designed to provide area-based protection against a decline in operating margin, and it is available for corn and soybeans in select Illinois counties.

The question is not simply, “What does coverage cost?”

The better question is:

How much loss can the farm’s balance sheet afford to absorb?

Arnett CPA looks at that question from the financial side. When crop insurance fits the conversation, Arnett Crop Insurance can help evaluate the coverage side.

Plan Smarter. Protect More. Harvest Peace of Mind.

08/27/2026

YIELD ISN’T CASH FLOW.

By late August, yield expectations are getting clearer. Now those estimates need to make their way into the financial plan.

Before harvest, update:

Realistic yield by field and crop
Cost of production per bushel
Expected harvest receipts
Grain already priced vs. unpriced
Operating-line balance
Fall principal and interest payments
Cash rent and input commitments
Projected year-end working capital

Then run the numbers at more than one yield and price scenario.

A good yield can lower cost per bushel and improve cash flow. But if additional revenue is immediately absorbed by the operating line, debt service, rent and next year’s inputs, the farm may have less financial flexibility than the income statement suggests.

Turn the crop estimate into a cash plan before the combines roll.

08/24/2026

THE MARKET MOVED. DID YOUR MARGIN?

Grain prices moved last week, and USDA’s Crop Progress report is due out this afternoon.

That makes today a good day to step back and update the numbers before making another sale.

Review:

Expected production
Cost of production per bushel
Current cash bid and basis
Percentage of crop already priced
Harvest cash-flow needs
Operating-line balance
Working capital after harvest

The question is not just, “Will the market go higher?”

The better question is:

Does today’s price produce a margin that improves my farm’s financial position?

Prices move daily. Margins are what matter.

Stay informed. Make confident decisions.

08/22/2026

A crop-insurance change could give your farm some additional cash-flow flexibility this fall.

RMA recently authorized crop-insurance companies to provide producers up to 60 additional days to pay premiums and administrative fees for policies with scheduled premium billing dates between July 1 and September 30, 2026.

Interest may also be waived during that additional period.

That doesn't mean the premium went away.

But for an operation carrying an operating line into harvest, timing matters.

Before automatically paying the bill, I would look at:

• Your actual extended payment date
• Whether interest will be waived
• Your operating-line interest rate
• Harvest cash-flow timing
• Expected grain sales
• Working-capital needs

RMA also reinstated the option to purchase an additional 5% prevented-planting coverage beginning with crops associated with the August 31 filing date for 2027 and succeeding crop years.

Talk with your crop-insurance agent about what applies to your policies.

Then make the payment decision as part of the farm's overall cash-flow plan.

Arnett Crop Insurance can help review how the changes apply to your coverage.

08/19/2026

Harvest cash needs a job before it arrives.

Grain prices have improved, harvest is getting closer, and yield expectations are becoming clearer.

That makes now a good time to decide what harvest cash needs to accomplish — before it hits the checking account.

I’d build a simple cash-flow waterfall:

Fund remaining operating expenses
Reduce the operating line
Make scheduled debt payments
Fund cash rent and upcoming inputs
Rebuild working capital
Maintain an adequate liquidity reserve
Then evaluate equipment purchases and tax strategies

A stronger grain market can improve projected profitability.

The opportunity is to make sure that improvement also shows up on the balance sheet.

Before harvest, set an operating-line payoff target and a minimum working-capital level you don’t want to cross.

A good crop should do more than generate income. It should create financial capacity for the next crop.

08/17/2026

The market moved. Did your margin move with it?

December corn finished Friday at $4.83¼ and November soybeans at $11.92½.

After USDA lowered its corn yield estimate last week, grain prices gave producers a better opportunity to revisit the numbers heading toward harvest.

Before deciding whether to sell another bushel, update:

• Expected production
• Cost of production per bushel
• Current cash bid and basis
• Percentage of the crop already priced
• Harvest cash-flow requirements
• Operating-line balance
• Working capital after harvest

Then ask a better question than “Will the market go higher?”

“Does today's price produce a margin that improves my financial position?”

You don't have to sell everything because the market rallies.

But if a price meets your margin target, know exactly what financial risk you're accepting by passing on it.

Price the margin—not the market prediction.

08/14/2026

More crop-insurance coverage doesn't automatically mean better risk management.

The 2027 changes to SCO, ECO and MCO give grain farmers additional choices.

That makes the financial analysis more important.

Before choosing coverage, quantify:

• Cost of production
• Working capital per acre
• Operating debt
• Cash-rent commitments
• Debt service
• Marketing exposure
• Maximum loss the farm can reasonably absorb

Then decide which risks belong on the farm's balance sheet and which should be transferred.

One immediate reminder: Wednesday, August 12, is the SDRP Stage 1 and Stage 2 deadline for qualifying 2023 and 2024 losses.

Arnett CPA can help quantify the financial exposure. When crop insurance is part of the solution, Arnett Crop Insurance can help evaluate the coverage.

08/12/2026

Harvest cash needs a job before it arrives.

We're getting close enough to harvest that cash-flow planning should become much more specific.

Build a harvest cash waterfall:

Operating expenses that must still be funded
Operating-line reduction
Scheduled principal and interest
Cash rent and upcoming inputs
Family living and overhead
Working-capital rebuilding
Capital purchases and tax planning

That order matters.

A strong crop can generate significant cash while leaving the farm with surprisingly little additional liquidity if the money is already committed.

Set a working-capital floor before equipment purchases and tax planning start competing for harvest cash.

A good harvest should leave you with more than income.

It should leave you with a stronger balance sheet.

Address

127 S Morgan Street
Morganfield, KY
42437

Telephone

+12708327014

Website

http://www.arnettcpa.com/

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