For many farm families, wealth is measured in acres, equipment, and generations of effort. But agriculture also comes with its own set of financial complexities: unpredictable income, succession challenges, high-value assets, and a deep emotional connection to the land. You need more than a financial plan. You need a partner who understands the stakes.
At Afshar & Machaalani Group Private Wealth Management, we offer farm-focused financial planning that protects your livelihood and supports the people who depend on it. Whether you’re looking to expand your operation, transition it to the next generation, or protect it against future risks, we help you create a plan that works in the field—and in the family.
Financial strategies designed for farm life
Your financial strategy must account for long-term investments, seasonal cash flow, and capital tied up in land and equipment. That’s why our financial planning approach is tailored specifically to your operation.
We help farm families with:
- Long-term cash flow modelling
- Equipment and land financing strategy
- Liquidity planning during tough seasons or major upgrades
- Coordinated investment planning to grow off-farm wealth while keeping the operation strong
Every dollar should work as hard as you do—whether it’s in the market or in the soil.
Succession planning that honours family and protects the farm
Who takes over the farm? How do you make it fair if not all of your children are involved? What happens if you pass unexpectedly without a plan?
These aren’t just legal or tax questions—they’re family ones. We guide you through them with care and clarity. Our farm succession planning services include:
- Transition strategies that minimize tax exposure and preserve harmony
- Use of trusts, insurance, and shareholder agreements to protect the farm’s value
- Income planning for retiring parents while ensuring operational cash flow
- Facilitated family meetings to create understanding and alignment
Succession is a process, not a document. We walk with you through it—from early conversations to formal transfer.
Tax and estate planning for multi-generational stability
Farm assets often come with high market value, low liquidity, and a strong emotional tie. That’s why we take a deliberate, tax-forward approach to protecting what you’ve built.
We help farming families:
- Maximize use of the Lifetime Capital Gains Exemption (LCGE) on qualified farm property
- Reduce estate tax obligations through trusts and insurance strategies
- Structure estate plans that reflect both fairness and operational needs
- Plan for intergenerational wealth transfer with minimal tax friction
At Afshar & Machaalani Group, we don’t let taxes erode your legacy. We make sure your farm passes forward intact.
Insurance that protects more than the operation—it protects the family
One accident. One health issue. One fire. Farming families often operate without a safety net. Our integrated insurance strategies provide protection when you need it most.
We structure policies for:
- Life insurance to provide estate liquidity and replace lost income
- Disability and critical illness coverage to keep operations stable if you can’t work
- Business continuity coverage to protect against equipment loss or natural disaster
You can’t control the weather. But you can control how prepared you are for the unexpected.