Usually a loader is more important than a chipper it seems. A chipper helps with brush and that's it. A loader can load brush and logs. Ideally, you would skip having a chipper all together unless it adds work that you wouldn't normally be able to do or reduces dumping expense. My tree company doesn't have chipper, which is ironic considering I'm a dealer for Terex chippers.
In my theories:
-For a pickup sized truck, the F550 reigns supreme.
-The higher the population in your area, the more you can specialize. My area is fairly large, and the population is fairly small. Lansing is 5x bigger than my town, Eaton county is a little bigger than my county. With my lower population, I diversify and do tree work, stump removal, site work, and industrial mowing/mulching.
-Goosenecks are better than tag trailers for pickup sized vehicles. My F550 is running a 40klb tag, it handles the weight fine.
-Handling material/hand work sucks. Cut out as much of that as practical, you'll make more money.
-Equipment is a depreciating asset, but labor is rent.
-Removals are easier than pruning/trimming if you have the equipment. Larger populations with more people support PHC, which can have excellent ROI.
-Doing the same thing as everyone else, the same way as everyone else, is a great way to make the same money as everyone else.
-A tree service is a viable business, if you treat it as a business. Businesses use smart credit to leverage their position.
-Jobber management software has been invaluable to me for keeping track of work, although it isn't really required when you don't have much work flow.
-Being a gear queer is fun, but it doesn't pay the bills. I used to spend tens of thousands of dollars on the latest and greatest. I only have three saws now, plus the grapple saw for the excavator.
8 years and 1 month ago I bought my first mini. I never guessed I was going to grow like I have, that I would have the financial means to have the equipment I have now to have the work production I have now. I bought my first excavator 2 years and a month ago, upgraded it 14 months back. It's my most used piece of equipment.