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 is a leading financial advisor recognized for her exceptional performance, deep industry knowledge, and commitment to helping clients build long-term financial security. In 2024–2025, she qualified for President’s Council as one of the top 50 financial advisors in Canada, a distinction that reflects her dedication to excellence and the trust she has earned from her clients.

Throughout her career, Twyla has consistently demonstrated outstanding leadership and production, having been recognized as a top producer for more than 10 years. She has also been voted “Best of Kelowna” in more than four categories for two consecutive years, further reflecting her reputation for excellence in the community. Her expertise and reputation within the industry have also led to her involvement with the Segregated Fund Advisory Board at Manulife, where she contributes insight and perspective on solutions that support client planning needs.

Since 2018, Twyla has been a Million Dollar Round Table qualifier and speaker, placing her among a highly respected group of financial professionals recognized internationally for excellence in client service, ethics, and professional achievement. Her continued success reflects her strong work ethic, client-first approach, and ongoing commitment to raising the standard of financial advice.

Outside of her professional life, Twyla is deeply proud of her family, including Ashley and Alec, their wonderful spouses, and her two grandchildren. Family is an important part of Twyla’s life and continues to inspire the care, perspective, and sense of purpose she brings to both her clients and her community.

Nathan Holroyd

Associate Advisor

Nathan has been a valued member of Safe Harbour Financial since 2024, bringing sharp insight, dedication, and a genuine commitment to serving clients with care and precision. A bright addition to our advisory team, Nathan continues to demonstrate the work ethic, professionalism, and thoughtful approach that make him such an asset to our practice.

Nathan graduated from UBCO in 2022 with a degree in Management and a Minor in Economics, after earning a scholarship as the top student in his class and valedictorian. He entered the financial services industry in 2021 and has continued to build on that strong foundation through his role with Safe Harbour Financial.

Outside of the office, Nathan is active in the community through his volunteer work with the Kelowna Junior Chamber International (JCI) and his involvement at church. He and his wife, Aliyah, are also excited to be expanding their family, a wonderful new chapter we are thrilled to celebrate with them. We are grateful to have Nathan on our team and look forward to seeing his continued growth and success.

Raminder Sahota

Associate Advisor

Known by many clients as a calm, thoughtful, and insightful presence in the office, Raminder has become the go-to person for many financial requests. With more than 15 years of experience in financial services, he brings a steady depth of knowledge, strong integrity, and an unwavering commitment to acting in the best interest of clients.

Since joining Safe Harbour Financial in 2023, Raminder has quickly become an invaluable part of the team. His intellect, dedication, and client-first approach have made a meaningful contribution to both our practice and the clients we serve.

Beyond his professional experience, Raminder has demonstrated exceptional leadership in the community, including serving as Vice President of Toastmasters International and holding a key role with the Youth Alliance. Outside of work, he is happily married to Ajmair and is the proud father of two wonderful boys, Emaan and Bhavraj. We are incredibly grateful to have Raminder as part of our team and look forward to his continued impact at Safe Harbour Financial.

Heather Thomson

Practice Manager

Heather brings over 20 years of experience in financial services to her role as our Practice Manager at Safe Harbour. Her background includes working with one of the largest financial institutions and investment firms in Canada, giving her a strong understanding of client service, administration, operations, and the importance of clear, reliable support.
Heather has completed the Canadian Securities Course and is currently working toward becoming life licensed. She is also a Certified Organizational Coach, Facilitator, Coordinator, and Change Agent, bringing a thoughtful and practical approach to supporting both clients and the Safe Harbour team.
Known for her organization, warmth, and attention to detail, Heather helps ensure the day-to-day operations behind the scenes run smoothly. She supports documentation, internal processes, client service, and team coordination with care, accuracy, and follow-through.
Outside of work, Heather enjoys travelling, golfing, skiing, and snowshoeing. She is also a loving mom to her wonderful daughter, Taryn.
Heather is proud to be part of a team that puts clients’ best interests first and values long-term relationships built on trust, communication, and genuine care.

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.