Farm Succession & Retirement Planning

Let us help you 

achieve your goals

About Us

Todd Hawkins grew up on the family farm near Duperow, SK, just west of Biggar.  Throughout Todd's life, he has witnessed first hand, how many family farms and businesses ended in broken friendships and fractured families, due to lack of or no planning at all.  

In 1998, Todd started TWH Financial after working with a national financial planning firm for 6 years.  To date, Todd has worked on everything from very simple family planning to more complex, multi-generational business transitions.   

Todd and his wife Heather live with their 4 boys right in Biggar.  Todd and the staff at TWH Financial currently work with clients in Saskatchewan, Alberta and British Columbia. 

What we do

Succession Planning


 You've worked hard your whole life, but realize that you won't stay at it forever.  

Whether you have family that may be part of your business, or you are looking outside of family, there's a lot to consider. 

  • When is the right time to step away from the business?
  • What is the best way to transition out of our business?
  • How long will it take?
  • Can we ensure our future will be financially secure once we leave our business?
  • Will our business survive without us?
  • Will our children and their families be looked after fairly? Equally?

These are all tough questions when you are considering stepping away from your life's work.  Many more questions will arise along the way, and we are here to help.

Retirement Planning


Looking ahead to a life without work (or less work), can be pretty daunting.  

You'll have many questions and concerns such as:

  • Will my money outlast me or will I outlast my money!?
  • I have RRSPs.  When can I spend them?  What is a RRIF?
  • I have TFSAs.  When should I start to spend this money?
  • Will I receive Canada Pension plan? When?  How much?
  • Will I receive Old Age Security?  How much?  For how long?
  • Are there health care plans available to cover future ambulance, medications, or hospital stays?
  • How will my taxes change?

Yes, we can answer these questions for you. We'll help you strategize for orderly spending while you're alive, and simplify the transfer of remaining assets upon your death.

Adding Value


There are many moving parts when it comes to planning the next steps for your future, which will require the knowledge and advice of many disciplines.  

Our role is to provide professional advice and guidance to help you achieve the retirement that you deserve.  

In addition, we act as the 'quarterback' through the succession planning process, working with you, your family, accountants & lawyers.

Every step is driven by your own personal needs.  

Think of your needs as your 'wish list' - this is what you want accomplished at the end of the process.  And we want to get you there.

Contact us below and let's start with a visit over a coffee together, at your home if you prefer.

Contact Us

Email us

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TWH Financial

PO Box 1540, 222 Main Street, Biggar, SK S0K 0M0, CA

Tel: (306) 948-5377 Fax: (877)837-7302