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Financial PostAugust 2025

How does John decide whether to sell or lease his grain farm before he retires next spring?

Featured writing by Allan Norman · M.Sc. · CFP · CIM

The Short Version

A farmer heading into retirement next spring faces a decision that is part financial and part personal: sell the grain farm outright or hold on and lease it out. Allan uses it to introduce a decision grid, a simple way of laying out the options against the things that matter to you so a tangled choice becomes easier to see clearly. Selling can free up capital and simplify life, while leasing keeps the land in the family and provides ongoing income, and the numbers alone rarely settle it. The tool is meant to bring the financial considerations and the harder-to-measure ones, like attachment to the land and what comes next, into the same view. It will resonate with business owners and farmers approaching retirement who are weighing whether to let go of something they built or keep a hand in it.

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