Arnett CPA / Arnett Crop Insurance

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.

Planning ahead protects what you have built.Before harvest pressure builds, this is a good time to review the financial ...
07/17/2026

Planning ahead protects what you have built.

Before harvest pressure builds, this is a good time to review the financial and risk-management side of the operation.

Action items:

Review crop insurance coverage
Recalculate cost of production
Check working capital
Update cash flow projections
Review grain marketing plan
Schedule a lender touch base if needed
Look ahead at tax planning opportunities

Crop insurance, marketing, cash flow, and cost of production should not be reviewed separately. Each one affects the others.

When crop insurance is part of the discussion, Arnett Crop Insurance can help align coverage with the farm’s broader financial picture.

Cash flow is the bridge between now and harvest.Many farms can show profit on paper and still feel tight in the bank. Th...
07/15/2026

Cash flow is the bridge between now and harvest.

Many farms can show profit on paper and still feel tight in the bank. The difference is timing.

This week, review:

Expected cash inflows
Upcoming input, repair, rent, and debt payments
Grain sales needed before harvest
Operating line availability
Large expenses that may hit before revenue comes in

A simple cash flow forecast can help avoid rushed decisions later.

Profit matters. Timing matters too.

Risk Management Is More Than Crop InsuranceManaging risk means understanding both production risk and financial risk.Rev...
07/10/2026

Risk Management Is More Than Crop Insurance

Managing risk means understanding both production risk and financial risk.

Review before harvest:

Cost of production
Working capital
Debt service
Cash flow projections
Grain marketing plan
Crop insurance coverage

Each piece supports the others.

When crop insurance becomes part of that conversation, Arnett Crop Insurance helps producers evaluate how coverage fits within the operation's broader financial strategy.

Know Your Cost of Production Before Harvest Decisions BeginCrop progress reports are released every week throughout the ...
07/08/2026

Know Your Cost of Production Before Harvest Decisions Begin

Crop progress reports are released every week throughout the growing season, giving producers an updated picture of crop development. Those reports become much more useful when paired with your own financial data.

Ask yourself:

Has your cost per acre changed?
Has interest expense increased?
Are machinery costs on budget?
Has your expected yield changed?
What price do you actually need?

Your cost of production should drive marketing decisions—not emotion.

06/15/2026

Join AgriWebb and Figured, alongside a producer and their accountant, as they share how connecting livestock records with financial planning supports a stronger farm performance.

06/15/2026

There’s already enough to think about during the growing season without feeling stuck waiting on updates or chasing down information.

That’s why RCIS continues investing in services and technology designed to help make things simpler for you, from easier communication tools to faster, more streamlined support when questions or claims come up.

Because when the season gets busy, having a dedicated agent and regional team focused on helping things move a little smoother can make all the difference.

If an FSA letter about base acres landed in your mailbox recently, don't let it sit — USDA is adding 30 million new base...
06/02/2026

If an FSA letter about base acres landed in your mailbox recently, don't let it sit — USDA is adding 30 million new base acres for the first time since 2018, and landowners have 90 days to confirm, select eligible acreage, or opt out. CY25 takes care of itself with a one-time "Higher-Of" rule: you'll receive whichever payment is larger between ARC and PLC regardless of what you elected, so that year isn't the concern. CY26 is a real decision, and the September election window will arrive faster than you expect — the question worth answering before then is whether your operation is more exposed to price risk or revenue risk. Reach out if you want help stress-testing that before the window opens; your crop insurance structure ties into that picture too.

Here's something a lot of farmers are sleeping on right now: USDA is adding 30 million new base acres for the first time...
05/27/2026

Here's something a lot of farmers are sleeping on right now: USDA is adding 30 million new base acres for the first time since 2018. If you haven't gotten a letter from FSA about your base acre allocation yet, watch your mailbox — they started going out in mid-May. You have 90 days to confirm, select eligible acreage, or opt out, and no action could mean leaving money on the table.

But here's the bigger thing — CY25 had a one-time "Higher-Of" rule that let you collect the higher of ARC or PLC regardless of what you elected. That's gone after this year. CY26 is a real decision again, and the election window opens in September.

Before that window hits, it's worth sitting down and stress-testing your farm: are you more exposed to price risk or revenue risk? The answer might be different for your corn acres than your bean acres. If you want to walk through what ARC vs. PLC actually looks like for your operation, I'm happy to help. Drop a comment or send me a message.

You just finished planting — and that means the clock is already ticking on your acreage reporting deadline. July 15th i...
05/20/2026

You just finished planting — and that means the clock is already ticking on your acreage reporting deadline. July 15th is the date every grain farmer needs to have circled on their calendar. Your acreage report is what officially tells your crop insurance company what you planted, where, and how many acres — and if that number is wrong (or late), it can reduce or completely eliminate your indemnity payment if something goes wrong this summer. Don't let a paperwork mistake undo the coverage you signed up for. If you want help making sure your records are clean and your report is accurate, reach out before July rolls around.

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As grain farmers finish committing spring inputs across the Corn Belt, breakeven price analysis is the single most actio...
05/12/2026

As grain farmers finish committing spring inputs across the Corn Belt, breakeven price analysis is the single most actionable managerial accounting tool a producer can have — and a surprising number of operations have never formally calculated it. The formula is simple: total cost per acre (variable costs plus properly allocated fixed costs) divided by expected yield. A corn operation running $640/acre all-in at 175 bu/ac carries a $3.66/bu breakeven. That one number should be driving forward marketing decisions, crop insurance coverage level selection, and FSA program enrollment — not gut instinct. Tax accounting won't give you this. It only tells you what happened last year. Managerial accounting tells you what has to happen this year to stay profitable. If you work with grain farmers or ag lenders and want to build this kind of financial clarity into an operation, I'm happy to have that conversation.

Address

127 S Morgan Street
Morganfield, KY
42437

Telephone

+12708327014

Website

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