Brighter Horizon Financial Services Inc Darren & Joem Weinkauf

You wanna know more about the oil patch and the many great people and businesses in it ? You must go to the Lloydminster OTS Heavy Oil Show coming up. We will be going 💯 to support.
Can't wait September 16 & 17
Darren & Joem

Success doesn't happen because you got lucky. It happens because you learned to prioritize your money, your time, your energy and your focus. You planned, you adjusted, you stayed persistent, and you followed through.
Dw

It's a little bit of a gloomy day out there.
Let us put a little bright sun in your life from Mr BH himself. 😊
Have a bright and beautiful long weekend.🔆
Dw

Throw back 2023

Always thankful to our community

🏆 The Lloydminster Chamber of Commerce Business Excellence Awards
Downtown Business of the Year award at the Lloydminster Chamber's Business Excellence Awards gala in October 2023 was
Brighter Horizon Financial Services Inc Darren & Joem Weinkauf

Successful people aren't perfect. They're disciplined enough to recognize a problem, make a change and keep moving forward.
Dw

780.872.7722 24/7
Enjoy!

At one time it was just a way of life. Today It's big business.

Very little room for error. All aspects have changed considerably.

If you wanna take things to the next level and make sure your hard earned work Sometimes for generations is looked after.

Give me and my high net worth team a call.
780.872.7722 or email [email protected]
Www.brighterhorizon.ca

To all our farmer clients and friends ,thank you.

As harvest gets underway, I want to wish each and every one of you a safe and plentiful harvest.

Take care of yourselves, your families, and everyone working alongside you. Here’s hoping for good weather, strong yields, and safe days in the field.

We’ll see you in the later fall. 🌾🚜
Darren

It's actually hard to believe. But this is the reality.

$50 billion in farm assets needing to transition, and 88% of farms reportedly lacking a succession plan of any type, some lenders are working on building a system built with multiple partners to help farmers through succession planning and capitalization.

That all sounds great.

But here’s my opinion.

I would never let my banker or lender lead my succession plan.
Why?
Because their business is lending money and making money from lending money. That doesn’t make them bad people. It just means you need to understand what their role is.

Succession planning is now a billion dollar industry. There is a lot of money to be made from farmers trying to figure out how to transition their land, assets and businesses to the next generation.

Your banker should be at the table.

But they shouldn’t own the table.
Use your banker for banking. Use your accountant for accounting. Use your lawyer for legal advice.

And use an experienced independent financial advisor (IFA) who can look at the whole picture and help coordinate everyone around what is best for YOU.

Not the bank. Not the lender. Not the institution.

Your family. Your farm. Your future.

Darren Weinkauf
Financial Advisor (IFA)
Debt Restructuring specialist