[et_pb_section fb_built=”1″ _builder_version=”4.22.2″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(197,184,165,0.66) 0%|rgba(197,184,165,0.66) 100%” background_color_gradient_overlays_image=”on” background_image=”https:\/\/twerdunwealth.com\/wp-content\/uploads\/2023\/12\/Untitled-design-9.jpg” parallax=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.22.2″ _module_preset=”default” width=”100%” custom_margin=”75px||75px||false|false” animation_style=”slide” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.2″ _module_preset=”default” header_font=”||||||||” header_text_color=”#003768″ header_font_size=”45px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_row disabled_on=”off|off|off” _builder_version=”4.22.2″ _module_preset=”default” animation_style=”slide” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.2″ _module_preset=”default” header_3_text_color=”#003768″ global_colors_info=”{}”]<\/p>\n
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At TWM, we understand these unique challenges and are here to help. We specialize in crafting personalized financial plans that address the specific needs of business owners like you. Our comprehensive approach includes a range of services:<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.23.3″ _module_preset=”default” width=”100%” animation_style=”zoom” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.23.3″ _module_preset=”default” background_color=”#003768″ custom_padding=”15px|15px|15px|15px|false|false” border_radii=”on|15px|15px|15px|15px” global_colors_info=”{}” transform_styles__hover_enabled=”on|desktop” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_scale__hover=”110%|110%”][et_pb_blurb title=”Insurance Planning” image=”https:\/\/twerdunwealth.com\/wp-content\/uploads\/2023\/12\/Insurance.jpg” _builder_version=”4.23.3″ _module_preset=”default” header_font=”|||on|||||” header_text_color=”#FFFFFF” body_text_color=”#C5B8A5″ global_colors_info=”{}”]<\/p>\n
Insurance planning is a critical aspect for farmers at every stage. It provides financial security against health-related expenses, potential disabilities, critical illnesses, and unexpected life events. This not only protects your income and the future of your farm but also offers peace of mind for your family across generations.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.23.3″ _module_preset=”default” background_color=”#003768″ custom_padding=”15px|15px|15px|15px|false|false” border_radii=”on|15px|15px|15px|15px” global_colors_info=”{}” transform_styles__hover_enabled=”on|desktop” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_scale__hover=”110%|110%”][et_pb_blurb title=”Retirement Planning” image=”https:\/\/twerdunwealth.com\/wp-content\/uploads\/2023\/12\/Untitled-design-17.jpg” _builder_version=”4.23.3″ _module_preset=”default” header_font=”|||on|||||” header_text_color=”#FFFFFF” body_text_color=”#C5B8A5″ global_colors_info=”{}”]<\/p>\n
For farmers, striking a balance between reinvesting in the farm and saving for personal needs is challenging, especially without standard pensions. Retirement planning is therefore essential. It involves evaluating income needs, settling debts, reviewing insurance policies, exploring government benefits, and considering the sale of assets for retirement funds. Our goal is to help you achieve a financially secure retirement.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.23.3″ _module_preset=”default” background_color=”#003768″ custom_padding=”15px|15px|15px|15px|false|false” border_radii=”on|15px|15px|15px|15px” global_colors_info=”{}” transform_styles__hover_enabled=”on|desktop” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_scale__hover=”110%|110%”][et_pb_blurb title=”Estate Planning” image=”https:\/\/twerdunwealth.com\/wp-content\/uploads\/2024\/01\/Untitled-design-3.jpg” _builder_version=”4.23.3″ _module_preset=”default” header_font=”|||on|||||” header_text_color=”#FFFFFF” body_text_color=”#C5B8A5″ global_colors_info=”{}”]<\/p>\n
Estate planning for farmers is a delicate balance of managing personal and farm assets. Our approach ensures fair distribution and tax efficiency. This process includes understanding family dynamics, listing assets and liabilities, and strategizing for tax advantages. Open communication and comprehensive wills are key. Our aim is to secure your legacy and the future of your farm.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.23.3″ _module_preset=”default” width=”100%” animation_style=”zoom” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.23.3″ _module_preset=”default” background_color=”#003768″ custom_padding=”15px|15px|15px|15px|false|false” border_radii=”on|15px|15px|15px|15px” global_colors_info=”{}” transform_styles__hover_enabled=”on|desktop” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_scale__hover=”110%|110%”][et_pb_blurb title=”Succession Planning” image=”https:\/\/twerdunwealth.com\/wp-content\/uploads\/2024\/01\/Untitled-design-1.jpg” _builder_version=”4.23.3″ _module_preset=”default” header_font=”|||on|||||” header_text_color=”#FFFFFF” body_text_color=”#C5B8A5″ global_colors_info=”{}”]<\/p>\n
Succession planning is a cornerstone for farmers, guiding the handover of farm ownership and management. This is crucial at every stage of farming, covering both expected scenarios like retirement and unexpected ones such as illness. Our expertise helps in evaluating farm value, financial needs, and potential inheritors, making this intricate process manageable.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.23.3″ _module_preset=”default” background_color=”#003768″ custom_padding=”15px|15px|15px|15px|false|false” border_radii=”on|15px|15px|15px|15px” global_colors_info=”{}” transform_styles__hover_enabled=”on|desktop” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_scale__hover=”110%|110%”][et_pb_blurb title=”Tax Planning” image=”https:\/\/twerdunwealth.com\/wp-content\/uploads\/2024\/01\/Untitled-design-4.jpg” _builder_version=”4.23.3″ _module_preset=”default” header_font=”|||on|||||” header_text_color=”#FFFFFF” body_text_color=”#C5B8A5″ hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″ title_text=”Untitled design”]<\/p>\n
Tax planning is key for farmers, ensuring financial efficiency. Beyond tax season, it’s about year-round strategies to maximize benefits. Collaboration with tax advisors and legal representatives is essential, leading to tailored strategies for income, investment, and understanding farm-specific tax laws. Aimed at a prosperous, legally sound financial future.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.23.3″ _module_preset=”default” background_color=”#003768″ custom_padding=”15px|15px|15px|15px|false|false” border_radii=”on|15px|15px|15px|15px” global_colors_info=”{}” transform_styles__hover_enabled=”on|desktop” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_scale__hover=”110%|110%”][et_pb_blurb title=”Mortgage Life Insurance” image=”https:\/\/twerdunwealth.com\/wp-content\/uploads\/2024\/01\/Untitled-design-2.jpg” _builder_version=”4.23.3″ _module_preset=”default” header_font=”|||on|||||” header_text_color=”#FFFFFF” body_text_color=”#C5B8A5″ global_colors_info=”{}”]<\/p>\n
Mortgage life insurance is another key area for farmers. Choosing a self-owned policy offers control, consistent coverage, and flexibility, unlike bank-owned policies which can be limiting. Important considerations include policy ownership, premium guarantees, coverage stability, beneficiary options, and portability. We guide you in making informed choices for long-term benefits and peace of mind.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ disabled_on=”on|on|on” _builder_version=”4.22.2″ _module_preset=”default” disabled=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Insurance Planning” open_toggle_text_color=”#B7985D” icon_color=”#004A8D” toggle_icon=”;||divi||400″ open_icon_color=”#004A8D” open_toggle_icon=”:||divi||400″ _builder_version=”4.22.2″ _module_preset=”default” title_text_color=”#003768″ title_font=”|||on|||||” body_text_color=”#000000″ border_color_all=”#003768″ global_colors_info=”{}”]<\/p>\n
Insurance planning is a critical aspect for farmers at every stage. It provides financial security against health-related expenses, potential disabilities, critical illnesses, and unexpected life events. This not only protects your income and the future of your farm but also offers peace of mind for your family across generations.<\/p>\n
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[\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Retirement Planning” open_toggle_text_color=”#B7985D” icon_color=”#004A8D” toggle_icon=”;||divi||400″ open_icon_color=”#004A8D” open_toggle_icon=”:||divi||400″ _builder_version=”4.22.2″ _module_preset=”default” title_text_color=”#003768″ title_font=”|||on|||||” body_text_color=”#000000″ border_color_all=”#003768″ global_colors_info=”{}”]<\/p>\n
For farmers, striking a balance between reinvesting in the farm and saving for personal needs is challenging, especially without standard pensions. Retirement planning is therefore essential. It involves evaluating income needs, settling debts, reviewing insurance policies, exploring government benefits, and considering the sale of assets for retirement funds. Our goal is to help you achieve a financially secure retirement.<\/p>\n
<\/p>\n
[\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Estate Planning” open_toggle_text_color=”#B7985D” icon_color=”#004A8D” toggle_icon=”;||divi||400″ open_icon_color=”#004A8D” open_toggle_icon=”:||divi||400″ _builder_version=”4.23.3″ _module_preset=”default” title_text_color=”#003768″ title_font=”|||on|||||” body_text_color=”#000000″ border_color_all=”#003768″ global_colors_info=”{}”]<\/p>\n
Estate planning for farmers is a delicate balance of managing personal and farm assets. Our approach ensures fair distribution and tax efficiency. This process includes understanding family dynamics, listing assets and liabilities, and strategizing for tax advantages. Open communication and comprehensive wills are key. Our aim is to secure your legacy and the future of your farm.<\/p>\n
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[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ disabled_on=”on|on|on” _builder_version=”4.22.2″ _module_preset=”default” disabled=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Succession Planning” open_toggle_text_color=”#B7985D” icon_color=”#004A8D” toggle_icon=”;||divi||400″ open_icon_color=”#004A8D” open_toggle_icon=”:||divi||400″ _builder_version=”4.22.2″ _module_preset=”default” title_text_color=”#003768″ title_font=”|||on|||||” body_text_color=”#000000″ border_color_all=”#003768″ global_colors_info=”{}”]<\/p>\n
Succession planning is a cornerstone for farmers, guiding the handover of farm ownership and management. This is crucial at every stage of farming, covering both expected scenarios like retirement and unexpected ones such as illness. Our expertise helps in evaluating farm value, financial needs, and potential inheritors, making this intricate process manageable.<\/p>\n
[\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Student Accident Ins.” open_toggle_text_color=”#B7985D” icon_color=”#004A8D” toggle_icon=”;||divi||400″ open_icon_color=”#004A8D” open_toggle_icon=”:||divi||400″ _builder_version=”4.22.2″ _module_preset=”default” title_text_color=”#003768″ title_font=”|||on|||||” body_text_color=”#000000″ border_color_all=”#003768″ global_colors_info=”{}”]<\/p>\n
Student accident insurance is particularly important for farming families. It offers coverage tailored to fit your budget. While government health plans and group benefits cover some accident-related expenses, they often leave significant gaps. Our student accident insurance plans ensure that you’re financially protected from the unexpected costs that can arise from a child\u2019s accident.<\/p>\n
[\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”Mortgage Life Ins” open_toggle_text_color=”#B7985D” icon_color=”#004A8D” toggle_icon=”;||divi||400″ open_icon_color=”#004A8D” open_toggle_icon=”:||divi||400″ _builder_version=”4.22.2″ _module_preset=”default” title_text_color=”#003768″ title_font=”|||on|||||” body_text_color=”#000000″ border_color_all=”#003768″ global_colors_info=”{}”]<\/p>\n
Mortgage life insurance is another key area for farmers. Choosing a self-owned policy offers control, consistent coverage, and flexibility, unlike bank-owned policies which can be limiting. Important considerations include policy ownership, premium guarantees, coverage stability, beneficiary options, and portability. We guide you in making informed choices for long-term benefits and peace of mind.<\/p>\n
[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.22.2″ _module_preset=”default” animation_style=”slide” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.2″ _module_preset=”default” header_3_text_color=”#003768″ global_colors_info=”{}”]<\/p>\n
In all these areas, our commitment is to provide friendly, professional guidance, tailored to the unique needs and challenges of the farming community. Let us help you secure your financial future and the legacy of your farm.<\/p>\n
[\/et_pb_text][et_pb_button button_url=”\/contact” button_text=”Contact Us” button_alignment=”center” _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"
FarmersAt TWM, we’re dedicated to supporting farmers in their unique financial journeys, particularly when it comes to succession planning. Whether you’re passing your farm to the next generation or preparing for a comfortable retirement post-sale, we’re here to ensure a seamless transition.At TWM, we understand these unique challenges and are here to help. We specialize […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"_links":{"self":[{"href":"https:\/\/twerdunwealth.com\/wp-json\/wp\/v2\/pages\/89"}],"collection":[{"href":"https:\/\/twerdunwealth.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/twerdunwealth.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/twerdunwealth.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/twerdunwealth.com\/wp-json\/wp\/v2\/comments?post=89"}],"version-history":[{"count":10,"href":"https:\/\/twerdunwealth.com\/wp-json\/wp\/v2\/pages\/89\/revisions"}],"predecessor-version":[{"id":245,"href":"https:\/\/twerdunwealth.com\/wp-json\/wp\/v2\/pages\/89\/revisions\/245"}],"wp:attachment":[{"href":"https:\/\/twerdunwealth.com\/wp-json\/wp\/v2\/media?parent=89"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}