What a Hedging Consultant Actually Does

The word consultant covers a lot, so be specific about what you need. A working hedging consultant starts with your exposure: how many bushels you will sell and when, what your inputs cost, what your break-even is, and how much price risk your lender and your family can tolerate. From there, they help you build a written plan — what portion of the crop to price at each stage, with which tool, at what trigger levels.

Then comes the part most farmers value most: execution support. Markets move while you are in the field. A consultant who is also your broker can watch the board, call you when a target hits, and place the hedge on your instruction, so the plan actually gets executed instead of living in a drawer. That ongoing presence is the real difference between a consultant and a one-time report.

Hedging Beyond Grain Sales

  • Crop revenue — corn, soybeans, and wheat sales spread across the marketing year.
  • Input costs — diesel and natural gas exposure can be hedged the same way you hedge grain.
  • Livestock operations — cattle and hog producers hedge both animal prices and feed costs.
  • Storage decisions — carrying charge and basis affect whether the bin or the market pays you better.
  • Crop insurance coordination — hedges should complement, not conflict with, your insurance coverage.

What to Expect From a Good Consulting Relationship

Expect questions before advice. Anyone recommending a hedge before understanding your operation is guessing. Expect plain language about trade-offs — every hedging tool gives something up, whether it is margin exposure, premium cost, or delivery obligation. And expect honesty about outcomes: no hedge program wins every year, and the goal is protecting your margin across the years, not beating the market in any one of them. Expect a written record of decisions and the reasoning behind them, so next year's plan starts from evidence rather than memory.

CCS has consulted with Indiana agricultural producers since 1983, and its Scale-In program — forward-contract-based, with no margin calls or daily settlement — grew out of that work. A good consultant also tells you when doing nothing is the right trade. Futures trading involves substantial risk of loss and is not suitable for all investors.

Agricultural Hedging Consultant in Indiana — FAQ

Do I need a consultant, or can I hedge on my own?

Plenty of farmers hedge their own crops successfully. A consultant earns their keep through discipline, timing support during busy seasons, and experience with tools beyond simple forward sales. If you have the time and temperament to manage it yourself, a self-directed account may be enough.

What size farm needs a hedging program?

There is no fixed threshold. What matters is whether a bad price year would seriously hurt the operation. For many Indiana farms, that point arrives well before anyone thinks of themselves as a large operation.

How is a hedging consultant different from my elevator merchandiser?

Your elevator merchandiser buys your grain; their interest is in origination. An independent consultant or broker works for you and can use tools beyond the elevator's contract menu, including exchange-traded futures and options. Many farmers use both relationships.

What is the biggest mistake farmers make with hedging?

Inconsistent execution — abandoning the plan when prices rally after a sale, or refusing to price anything while waiting for the high. A plan you actually follow beats a perfect plan you abandon, which is why ongoing support matters as much as the strategy.

Talk It Through with a Real Broker

Call Lannie Cohen at 317-848-8050 — 40+ years of commodity experience, one phone call away.

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