PWM Private Wealth Counsel

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PWM Private Wealth Counsel Our mission is to help our clients and their families attain financial peace of mind.

Kevin Hegedus is the founder of PWM Private Wealth Counsel with offices in Saskatoon, Prince Albert, and Swift Current, Saskatchewan, Canada. Insurance products and services are offered through PWM Financial Services Inc.

You leave a financial meeting with a stack of papers.But can you explain what changed?A useful review should help you an...
10/10/2026

You leave a financial meeting with a stack of papers.

But can you explain what changed?

A useful review should help you answer:

• What does this mean for our family?
• What needs our attention now?
• Who is doing what next?
• When will we revisit it?

Those answers matter when you’re deciding whether to retire, help your children, or transition the family business.

At your next meeting, ask: “What are the three things we should take away from today?”

Financial Planning Services are offered through PWM Private Wealth Counsel. This communication is provided for general educational and informational purposes only and should not be construed as investment, legal, accounting, or tax advice. Individual circumstances vary and professional advice should be obtained based on your specific situation.

What does waiting cost?Keeping your options open can feel like the safest decision.Don't sell yet.Don't retire yet.Don't...
10/10/2026

What does waiting cost?

Keeping your options open can feel like the safest decision.

Don't sell yet.
Don't retire yet.
Don't transition the farm yet.
Don't make the decision until we're absolutely sure.

Sometimes waiting makes sense.

But there's another side to it.

Every option has a window.

Health can change.
Family circumstances can change.
Tax rules can change.
The next generation can make different plans.

And the years when you imagined enjoying what you've worked so hard to build don't wait for the financial plan to be perfect.

So perhaps there's another question worth asking:

What might become harder if we wait another five years?

Financial planning isn't always about deciding what to do next.

Sometimes it's about understanding the cost of doing nothing.

These are exactly the kinds of conversations we'll be exploring at Life After Harvest, Saturday, October 31 at Prairieland Park in Saskatoon.
Complimentary event for Saskatchewan farm families.
Learn more and register:

https://www.pwmprivatewealth.com/2026-life-after-harvest-fall/2026-life-after-harvest-seminar-sk-fall

Financial Planning Services are offered through PWM Private Wealth Counsel.

This communication is provided for general educational and informational purposes only and should not be construed as investment, legal, accounting, or tax advice. Individual circumstances vary and professional advice should be obtained based on your specific situation.

10/09/2026

Your neighbour’s land comes up for sale once every 25 years. Miss it, and you may never get another shot. So every expansion decision makes sense on paper. That’s what makes it hard.

Tim Hammond, Broker & Owner at Hammond Realty, says the trouble usually isn’t a bad decision. It’s a good decision that leaves no room left over. Instead of asking “can you afford this?”, the better question is: what’s left after it closes? If the crop is short and prices are soft, are you still comfortable?

Because right now, for some operations, staying strong is the strategy. And the ones who do will be ready when opportunity comes back around.

We’ll dig into this and more at our Life After Harvest Seminar on October 31st at Prairieland Park in Saskatoon. It’s free, and seats are filling up.

🌾 Register here: https://bit.ly/4AULKhG

“If you sold the farm, what would you get up for?”For years, the farm has given you a reason to get up. People counting ...
10/09/2026

“If you sold the farm, what would you get up for?”

For years, the farm has given you a reason to get up. People counting on you. Work that matters. A rhythm to your days.

If you’re thinking about selling, it’s worth asking what you want those days to look like afterward.

More time with grandchildren? A trip you’ve put off? A different role on the farm?
Knowing what you want helps give your financial plan a direction.

Before you decide what to do with the land, consider what you want your next chapter to make possible.

What would you look forward to getting up for?

Financial Planning Services are offered through PWM Private Wealth Counsel. This communication is provided for general educational and informational purposes only and should not be construed as investment, legal, accounting, or tax advice. Individual circumstances vary and professional advice should be obtained based on your specific situation.

What do you want the next 20 years to look like?⠀That’s different from asking what the farm is worth.⠀Do you want to kee...
10/09/2026

What do you want the next 20 years to look like?
⠀
That’s different from asking what the farm is worth.
⠀
Do you want to keep farming?
⠀
Slow down?
⠀
Bring the next generation in?
⠀
Sell some land?
⠀
Travel?
⠀
Spend more time with family?
⠀
The financial decisions should ultimately connect with the life you want to live.
⠀
We’ll explore some of these considerations at Life After Harvest.
⠀
October 31 | Saskatoon
⠀
Learn more and register:
⠀
https://www.pwmprivatewealth.com/2026-life-after-harvest-fall/2026-life-after-harvest-seminar-sk-fall

A first year worth celebrating! 🎉Join us in congratulating Dillan Poulsen on passing the Canadian Securities Course (CSC...
10/08/2026

A first year worth celebrating! 🎉

Join us in congratulating Dillan Poulsen on passing the Canadian Securities Course (CSC)!

Dillan recently celebrated one year with PWM Private Wealth Counsel. Now he has another milestone to be proud of—one that took study, effort and commitment.

Dillan, we’re glad you’re part of our team and proud to celebrate this achievement with you. Congratulations! 👏

Warren Buffett bought a 400-acre farm north of Omaha in 1986 for about $700 an acre.In nearly three decades of owning it...
10/07/2026

Warren Buffett bought a 400-acre farm north of Omaha in 1986 for about $700 an acre.

In nearly three decades of owning it, he'd visited it only twice. He wasn't watching its price from day to day. He was interested in what the asset could produce over time.

Our October PWM Perspectives looks at why farmland, or any asset that matters deeply to a family, can have three separate values:

Market value. Intrinsic value. Personal value.

Most families walk into a planning conversation focused primarily on the first.

Read Three Numbers for the Same Quarter Section: https://bit.ly/4dJZqlV

We're taking this same approach to some bigger questions at our Life After Harvest seminar, a FREE seminar for Saskatchewan farm families, Saturday, October 31 in Saskatoon.

Not just, "What is the land worth?" But, "What do we want the land, and everything we've built, to make possible?"

To register, visit our website, or call 306-975-9500.

What is the money for?It's a surprisingly difficult question.We spend years measuring financial progress.How much have w...
10/07/2026

What is the money for?

It's a surprisingly difficult question.

We spend years measuring financial progress.

How much have we saved?
What is the farm worth?
What did the portfolio return?
How much will we need to retire?

All useful questions.

But eventually there may be a more important one:

What do you actually want the money to make possible?

Maybe it's retiring while you're still healthy enough to enjoy it.

Helping your children or grandchildren while you're here to see the difference it makes.

Having the freedom to work because you want to — not because you have to.

Making a farm transition without money becoming the source of family conflict.

Travelling more. Working less. Giving more.

Or simply reaching the point where you can say:

“We have enough. Now what do we want our life to look like?”

That's where financial planning becomes more than projections on a page.

The numbers still matter. But the numbers aren't the destination.

They're there to help make something possible.

So perhaps the question isn't only:

“How much will I have?”

It's:

“What is the money for?”

Financial Planning Services are offered through PWM Private Wealth Counsel.

This communication is provided for general educational and informational purposes only and should not be construed as investment, legal, accounting, or tax advice. Individual circumstances vary and professional advice should be obtained based on your specific situation.

Address

210 Wellman Crescent #205
Saskatoon, SK
S7T0J1

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 4pm

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