by CPeltz@harbourfrontwealth.com | Jul 22, 2026 | Insights
Many farmers reach retirement with a combination of farmland, a farm corporation, RRSPs, and government benefits. The challenge becomes deciding which assets should be used first for retirement income and which should be left alone. For many farmers, saving money...
by CPeltz@harbourfrontwealth.com | Jul 15, 2026 | Insights
If your farm corporation has built up significant cash over the past few years, you may think that’s a sign you’re doing everything right. But here’s a question: Is that cash working as hard as you are? Many Prairie farms are holding hundreds of...
by CPeltz@harbourfrontwealth.com | Jul 8, 2026 | Insights
Farming involves constant decision-making, but not all decisions are made the same way. Most financial mistakes on farms don’t come from bad ideas—they come from rushed decisions. On a farm, timing matters. During seeding, harvest, or when markets move, decisions...
by CPeltz@harbourfrontwealth.com | Jul 1, 2026 | Insights
I often get the question from farms, “should I contribute to an RRSP?” I want to help with answering why an RRSP is useful and discuss the trade-offs. First with the positives: A strong year on the farm can quickly turn into a higher tax bill unless you plan for it....
by CPeltz@harbourfrontwealth.com | Jun 17, 2026 | Insights
Life insurance isn’t always top of mind for farmers, but it can play an important role in protecting the financial stability of a farm operation. Most farms don’t realize how exposed they are financially until something unexpected happens. On a farm, everything is...
by CPeltz@harbourfrontwealth.com | Jun 10, 2026 | Insights
With the crop in the ground, many Canadian farmers are focused on the field—but mid‑season is also a key time to stay financially on track. Halfway through the season is often when small financial gaps quietly turn into bigger problems. By mid‑season, you’ve got a...
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