Guiding Your Financial Future with Confidence

Meet Our Team

At Safe Harbour Financial, we believe that financial security is about more than just numbers—it’s about trust, peace of mind, and a plan tailored to your goals. Whether you’re a business owner, a professional, or planning for retirement, we take a personalized approach to help you build and protect your wealth.

Our approach is simple: We listen. We educate. We create financial strategies that make sense for you.

Corporate Experts

Our office has access to Advanced Financial Planning professionals who have the knowledge and experience to address even the most complex situations. Our office is supported by a team of over 20 CPAs, lawyers and other specialists across Canada.

  • Investment Operations Executive
  • Lawyers
  • Insurance Operations Executive
  • Accountants
  • Mortgage Brokers

When you want to move forward with a financial plan, we can provide the solutions you need. We give you peace of mind so you’re confident in every decision.

Twyla Hardham, CFP

Founder | Financial Advisor

Twyla Hardham understands firsthand the importance of financial security. As a single mother navigating financial challenges, she realized the power of financial knowledge and planning—and turned that experience into a mission to help others.

For over 20 years, Twyla has dedicated her career to guiding individuals, families, and business owners toward financial confidence. Her passion lies in empowering clients—especially women and families—by making financial planning simple, approachable, and tailored to their needs.

Twyla’s approach goes beyond traditional financial planning. She focuses on building long-term relationships with her clients, ensuring they feel heard, valued, and supported at every stage of their financial journey. Whether it’s protecting a family’s future with life insurance, guiding a business owner through succession planning, or helping retirees maximize their income.

Twyla is dedicated to providing financial solutions that truly make a difference.

Nathan Holroyd

Associate Advisor

Please welcome Nathan as a bright addition to our advisory team! This summer, he married his lovely bride, Aliyah, and we couldn’t be happier for them. As the top student in his class and valedictorian, Nathan earned a scholarship to UBCO, graduating in 2022 with a degree in Management and a Minor in Economics. He entered into financial services in 2021, and since joining Safe Harbour Financial Nathan has consistently excelled, demonstrating his sharp mind and commitment to serving our clients with care and precision. He volunteers with the Kelowna Junior Chamber International (JCI) and is active at his church. We are thrilled to have him on board and are confident his future with us is filled with great promise.

Raminder Sahota

Associate Advisor

Most of you have likely spoken to Raminder, our calm and insightful presence in the office. Raminder is happily married to Ajmair and proud father to two wonderful boys, Emaan and Bhavraj. He brings over 15 years of experience in financial services and is highly respected for his integrity and unwavering commitment to always act in the best interest of clients. Beyond his professional expertise, Raminder has demonstrated exceptional leadership, having served as Vice President of Toastmasters International and in a key role with the Youth Alliance. We just celebrated his one-year anniversary with us, his intellect, dedication, and community focus make him an invaluable member of our team, and I’m incredibly grateful to have him as part of the team.

Financial Security With a Personal Touch

Our Core Values

Trust

Building lasting relationships through integrity and transparency.

Innovation

Adapting financial solutions to meet your evolving needs.

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Experience

Over 20 years in financial services and a strong track record of excellence.

Excellence

Going above and beyond to provide exceptional service and client-focused solutions.

Why Choose Safe Harbour Financial?

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Over 20 years of experience in insurance and financial services.

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MDRT-qualified advisor (7+ years) and industry leader.

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Customized strategies for individuals, business owners, and families.

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Access to all major Canadian insurance providers for the best product selection.

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Dedicated to simplifying financial planning and empowering clients to make informed decisions.

Let’s Build Your Financial Future Together

At Safe Harbour Financial, we believe in clear, straightforward financial advice that empowers you to make the best decisions for yourself and your loved ones.