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Frank Daley grew up on his family’s dairy farm in Madison, Wisconsin. The dairy was rooted in his family since 1851. After beginning college, he found opportunities that led him into construction, a path that eventually brought him to Colorado. There he built homes, built a life with his wife Sheila, and established Single Tree Ranch in Newcastle, where they bought land and cattle of their own. They raised two daughters who both pursued careers in agriculture: Amy, who runs a mobile veterinary business and ranches with her husband close to her parents, and Erin, who works as an economist for the U.S. Meat Export Federation and lives with her husband on his family’s ranch in California. Enjoy this rich story from Frank Daley.

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Today, we’re joined by Carol Ann Flock, owner of Flock Ranch, a commercial cow-calf producer deeply committed to land stewardship.

After losing her husband, Phillip, four years ago, Carol Ann took the reins, continuing the operation with the support of her community, including Paul Clark. Paul has also been on the show. Scroll back and take a listen.

She’s passionate about keeping the land in the hands of a rancher who cares for it — and hopeful that the legacy may one day carry on through her grandson.

This episode is about perseverance, conservation, and honoring the land by caring for it well.

Cliff is the founder and co-owner of Rocky Mountain Financial Group in Denver, Colorado. He has 30 years of experience working with business owners regarding their estate and business planning.

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David Kraft, a retired Rangeland Specialist, reflects on maintaining the land and how it is the only way to pass agriculture from one generation to the next.

David shares how his family came to Kansas and how his own operation shifted from the cows and some yearlings to contract grazing steers in the summer. This change he jokes was his way of no longer having to be a “flashlight rancher.” We also talk about his years with the USDA, and how his work took him from the Gulf Coast to the North Dakota border. During this time, he advised producers and monitored rangeland health.

We also dive into succession planning, drawing on both David’s own family experience along with the many ranching families he’s worked with across the midwest.

Cliff is the founder and co-owner of Rocky Mountain Financial Group in Denver, Colorado. He has 30 years of experience working with business owners regarding their estate and business planning.

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Today we’re joined by Terry’s uncle, Paul Clark — though in many ways, he was more like a cool older brother. They’re only about a decade apart, and Terry looked up to Paul and admired him in many ways.

Paul grew up as the youngest of nine children, learning resilience early. Over the years, he’s done many kinds of work — trucking, welding, feed rationing, and custodian work — all while building a cow herd on the side. Through it all, family always came before career advancement, guided by a deep faith in Christ that shaped his choices and priorities.

A constant in Paul’s life is his steady, genuine love for his wife, Patti. This is Paul’s story — one shaped by hard work, faith, loyalty, and devotion to the people who matter most.

Cliff is the founder and co-owner of Rocky Mountain Financial Group in Denver, Colorado. He has 30 years of experience working with business owners regarding their estate and business planning.

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We are replaying a past episode this week!

Ross T. Hendrickson shares his journey from a political career to managing the Hendrickson Cattle Company, emphasizing the importance of family legacy, community involvement, and the challenges faced in the cattle industry. He discusses the role of older generations in passing down knowledge, the significance of conservation in ranching, and the balance between work and enjoyment on the ranch. Ross also highlights the importance of preparing the next generation for the future of the family business while maintaining a strong commitment to the land and community.

Cliff is the founder and co-owner of Rocky Mountain Financial Group in Denver, Colorado. He has 30 years of experience working with business owners regarding their estate and business planning.

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I’m joined by Paul Bernklau, a 91-year-old cattle buyer who spent decades traveling in Colorado, Wyoming, and Utah, consigning cattle and building relationships along the way. Paul grew up on a ranch near Rifle, Colorado, but when he was 19, his father became ill, and the family had to sell the ranch. Paul went on to work as a ranchhand before finding his life’s work in cattle buying — what he calls a people business, not a cattle business. Paul has been married to the love of his life, Carla, and has devoted himself to caring for her. Quick note: this interview was recorded by phone, so Paul is quieter than me at times, but his stories are worth a listen.

Cliff is the founder and co-owner of Rocky Mountain Financial Group in Denver, Colorado. He has 30 years of experience working with business owners regarding their estate and business planning.

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Robert and Shari Kurtz: Family Beyond the Fences

In this episode, we sit down with Robert and Shari Kurtz, lifelong farmers from east-central Kansas, to talk about what it means to steward both land and legacy. Shari, the only sibling of Terry — whose memory and impact inspired the podcast — brings a deeply personal perspective to the conversation. Together, they reflect on a family shaped by farming, resilience, and strong bonds.

Robert shares stories from his grandfather’s era, when cotton and sheep were part of the farm’s experimentations, and how that pioneering spirit continues today through conservation practices and cover crops, always balancing ideals with the realities of modern agriculture.

Shari offers heartfelt insights on raising farm kids and grandkids, highlighting how children learn not just by teaching but through observation and participation. The couple discusses the challenges and joys of passing down traditions while navigating change, and the importance of sharing their story to build greater understanding about farm life.

From kids make-believe ranching with toy calves to physically helping with chores, the Kurtz remind us that farming legacy is as much about family and character as it is about the land.

Key Topics Covered:

• The long view: multi-generational farming and its influence on decision-making
  
  
  
• Balancing conservation goals with financial realities
  
  
  
• How children learn life lessons naturally on the farm
  
  
  
• Tradition, transition, and technology in agriculture
  
  
  
• Overcoming misconceptions about farming through storytelling
  
  
  
• The role of family humor and close relationships in farm resilience

Cliff is the founder and co-owner of Rocky Mountain Financial Group in Denver, Colorado. He has 30 years of experience working with business owners regarding their estate and business planning.

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In this episode, we hear from Dan McCarty, a fourth-generation Coloradan with deep roots in the cattle industry. Dan shares stories about his family's history in agriculture, going all the way back to his great-grandfather, a medical doctor who also speculated on farmland. Dan also talks about his unlikely friendship with Terry, how they met through the National Cattleman's Beef Association, and some of the valuable lessons he’s learned along the way. From discussing the challenges of managing large-scale operations in the high desert of Western Colorado to the importance of land stewardship and sustainability, Dan offers a wealth of knowledge and a down-to-earth perspective on the realities of ranching today. You won't want to miss his insights on navigating intergenerational transitions in agriculture and his level-headed advice for the next generation. So, give it a listen!

• Dan's family's involvement in the cattle industry in Colorado for four generations, with his great-grandfather starting as a medical doctor who also invested in farmland
• How older generations play a crucial role in passing down knowledge and traditions in ranching, especially regarding risk tolerance and lessons learned from past economic hardships
• Modern operations face challenges such as federal land issues, wolf reintroduction, and water scarcity, requiring ranchers to adapt and plan for the future
• Sustainable practices, like matching resources to cattle and implementing grazing management plans, are essential for responsible land management
• How despite the challenges, there are still many opportunities in agriculture for both those who grew up in it and those who didn't, but a business or finance background can be a major asset

Cliff is the founder and co-owner of Rocky Mountain Financial Group in Denver, Colorado. He has 30 years of experience working with business owners regarding their estate and business planning.

Find Shelbys' Sassy Designs at facebook.com/shelbyssassy

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