Epp Financial

Epp Financial Insurance, Investments, Travel, Group & Health Benefits. Helping those from the rural way of life đŸŒŸ

Unexpected business expense happen
 an equipment breakdown, a sudden supply chain hike, or a slow revenue month—it’s inc...
05/22/2026

Unexpected business expense happen
 an equipment breakdown, a sudden supply chain hike, or a slow revenue month—it’s incredibly easy to just swipe the corporate card or dip into the operating line. It’s sitting there, it’s accessible, and it solves the problem today.
But relying on debt as your safety net is a dangerous trap.

So here’s the truth, borrowing money to fix an emergency means you are trying to plug a cash leak by creating a high-interest flood. Instead of focusing on recovery, you’re now focused on paying back the bank plus interest. You’re giving away your business’s leverage exactly when you need it most.

A true, automated cash reserve, completely separate from your daily operations, changes the entire game. When you have cash, you hold the clock and the control. When you rely on the bank’s line, they do.

It’s so important to build a cash reserve structure that actually protects your business.

👇 Swipe through to see the real cost of relying on the bank’s line, then DM us to calculate your true safety net number.

05/16/2026

If you just finished filing your 2025 taxes and felt like you got hit with a bill you weren’t expecting, it’s time to look at your “Order of Operations.”

Taxes are likely the single biggest expense on your business balance sheet. But too many business owners are dumping cash into accounts at the wrong time, in the wrong order, and hoping for the best. Hope is not a tax strategy.

The Leak: Missing out on the specific sequence of RRSP, TFSA, and corporate structures that actually keep money in your pocket instead of sending it to the CRA.

Marissa’s Fix: We stop “guessing” and start “structuring.” We align your contributions with your actual income brackets so you never pay a cent more than you legally owe.

Structure beats luck. Every. Single. Time.
Don’t let 2026 be a repeat of this year. Let’s get your strategy dialed in now so your next tax season is a non-event.

DM me and let’s plug the leaks in your balance sheet.

A little food for thought.If you don’t have life insurance yet, or if you don’t know exactly what you have, we should ch...
05/14/2026

A little food for thought.

If you don’t have life insurance yet, or if you don’t know exactly what you have, we should chat.

DM us to set up a zero-obligation meeting!

05/12/2026

Your employer’s insurance is a “perk,” not a plan.

I hear it all the time: “I’m fully covered through work.” But the truth that the HR handbook won’t tell you:

đŸ‘đŸ» That policy doesn’t belong to you. đŸ‘đŸ»

Here is why relying on group insurance is a gamble:

1. It’s Not Portable: If you leave that job—whether it’s by choice, a layoff, or health issues that force you to stop working—your coverage usually stays at the office. You’re left unprotected exactly when you might need it most.

2. It’s Usually Not Enough: Most workplace policies only cover 1x or 2x your salary. On the farm, with land debt and equipment loans, that’s just a drop in the bucket.

3. No Control: The company can change the provider, lower the benefit, or cancel the plan entirely to save costs. You have zero say in the structure of your family’s safety net.

Treat work insurance like a “bonus,” but build your real foundation on a policy that YOU own and YOU control, no matter where you work.

👇 Are you relying 100% on your work policy? DM me and let’s build a foundation that actually moves with you.

True finance/horse girl hack of the day (Or maybe I’m the last to find this out?!):You can have your sucralfate subscrip...
05/07/2026

True finance/horse girl hack of the day (Or maybe I’m the last to find this out?!):

You can have your sucralfate subscription sent from your vet to your local pharmacy.

Doing so saved me about $45 a bottle on the liquid. Exact same product and dosage.

And do not get me wrong, I love and support my vets in every way. But saving a few bucks here and there sure doesn’t hurt!

04/29/2026

You want your family to inherit your success, not your struggle.

Stop gambling with your family’s future. DM me “PROTECT” and let’s get it done.

Incase you haven’t heard me mention it before- loan insurance sucks. If you’re still relying on it if something should e...
04/23/2026

Incase you haven’t heard me mention it before- loan insurance sucks.
If you’re still relying on it if something should ever happen, we need to chat.

There are far better options- and usually for less money!

Fellow barrel racers, I want to hear from you...How many of you have your horse insured?..and follow-up question: do you...
04/23/2026

Fellow barrel racers, I want to hear from you...

How many of you have your horse insured?..and follow-up question: do you have life insurance for yourself, too?
😬

04/22/2026

Do You Have Money Sitting with a Previous Employer??

A pension? RRSP?

Depending on the type of pension you had, you should more then likely take control of those funds and move them out so your financial advisor can manage them privately.

Why?

You then have control over the risk tolerance, funds they are in, and you can tailor those funds to your life phase. Why leave it sit in a giant pool of money that you cannot easily make changes to?

If this applies to you, please contact me! Let’s take control of money that is YOURS!

www.eppfinancial.com

04/22/2026

We’re rolling into the 5th month of 2026. If you’re still “hoping” your loan insurance covers your debt, or you’re relying on a policy you signed three trucks and two tractors ago—respectfully, we need to chat.

Too many families find out after a crisis that their coverage didn’t actually match their current debt load.

Let’s make sure you’ve actually built the wall to protect it.

DM me “COVERAGE” and let’s get your policy reviewed before the seeding rush is in full swing.

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122 1st Avenue
Rosthern, SK

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