We’ve Worked the Land.
Now We Work the Numbers.
Farmers in Finance exists because Canadian farm families deserve straight talk about money — no jargon, no fluff, no products dressed up as advice. Just the stuff that actually matters, from two guys who’ve lived it.
Two Farmers Walk Into a Recruiting Call…
It didn’t start with a business plan or a marketing strategy. It started with a phone call, a shared past, and a question neither of us expected to be asked: “Wait — you farmed too?”
Riccardo had just stumbled into the financial industry after 25 years in construction and a season farming heirloom tomato seeds in the Okanagan. Gaurav, already a few years into his financial career, reached out to ask how things were going. One hour later — after swapping stories about soil costs, feed prices, the grind of making a farm work — the idea was obvious. Someone needed to talk to Canadian farm families about money in a way that actually made sense to them.
That someone was us. Farmers in Finance launched in September 2025, and we’ve been putting out episodes every week since. No fluff. No jargon. Just the stuff that actually matters.
Real People. Real Experience.
We’re not talking heads with textbooks. We’ve worked the land, built things with our hands, navigated debt, and learned what financial freedom actually takes.
Riccardo Manazza
Riccardo was born in Italy and moved to Canada at fifteen, landing in Sechelt, BC — a small town on the Sunshine Coast. He finished high school there, then made his way to Vancouver, where he completed two years of engineering at Capilano College before transferring to UBC and earning his Bachelor’s degree.
After graduation, he found himself doing what most engineering grads don’t expect: swinging hammers. A friend needed help in construction, and Riccardo loved every second of it. That decision turned into 25 years in the trades — concrete, renovations, and building things that last. Along the way, he moved to the Okanagan with his wife, started a family, and launched Sesen Seeds, growing and selling heirloom tomato seeds for nearly a decade.
The farming years taught him something that no classroom ever could: how hard you can work and how little the system rewards you for it. Feed costs, operating debt, thin margins — the grind was real. Eventually, with two young boys and a family to support, he made the decision to step away from the farm.
He got his real estate license, and at an open house, someone from the financial industry showed him a different path. Two years later, he’s a licensed Financial Associate with Experior Financial — and completely hooked on helping people find financial freedom. Riccardo brings the authentic voice of someone who’s been in the dirt, felt the weight of debt, and figured out how to get out from under it.
Gaurav Malik
Gaurav grew up surrounded by agriculture. His family owns and operates a dairy farm in the Mehsana region of Gujarat, India — a multi-generational operation he still actively helps manage from across the world. Even after immigrating to Canada and settling in Surrey, BC, he’s stayed deeply connected to the reality of what it means to run a farm: the early mornings, the unpredictable costs, the weight of keeping something alive that feeds both your family and your community.
That background shaped everything about how Gaurav approaches finance. He didn’t come into this industry from a bank or a boardroom. He came from a place where money is practical, margins are tight, and decisions have generational consequences. When he talks about estate planning or tax strategy, it’s not abstract — it’s personal.
Gaurav has been in the financial services industry for three years, building his expertise in insurance, wealth planning, and estate strategy with Experior Financial. As Team Lead, he brings structure, depth, and a calm clarity that balances perfectly with Riccardo’s candid energy. Together, they’ve helped Canadian farm families understand concepts most financial advisors never explain properly — from using life insurance as a family banking tool, to structuring succession plans that don’t cost the next generation everything they’ve inherited.
What We Actually Believe
These aren’t talking points. They’re the convictions we bring to every episode, every consultation, and every conversation with a farm family.
Farmers are underserved — and they know it.
There is almost no Canada-specific financial content made for agricultural families. The advice that exists is generic, disconnected from the realities of farm life, and usually built around products rather than people. We’re here to change that.
Debt can be a tool, not just a burden.
Most farm families are taught to fear debt. But used correctly — through strategic leverage, infinite banking concepts, and properly structured insurance — debt becomes a wealth-building engine, not a trap.
Succession planning is the most expensive conversation you’re not having.
With farm property values climbing across British Columbia and Canada, passing the farm to the next generation without a plan can cost that generation everything. Life insurance-funded succession strategies exist specifically for this — most families just don’t know about them yet.
Education first. Always.
We started this podcast because people need to hear this message — and we refuse to dress up products as advice. Our job is to educate first, and let the right solutions follow naturally. No fluff, no jargon, just the stuff that actually matters.
The Financial Topics Every Canadian Farm Family Needs to Understand
Every episode maps back to one of four core areas — the pillars that determine whether a farm family builds lasting wealth or leaves it to chance.
Browse All Episodes →Wills, trusts, power of attorney, and making sure what you’ve built goes where you intend.
RRSPs, TFSAs, corporate structures, capital gains on farmland — keeping more of what you earn.
Passing the farm to the next generation without destroying it financially in the process.
Insurance strategies, infinite banking, and building something that outlasts you.
Ready to Have a Real Conversation About Your Farm’s Financial Future?
Book a free, no-obligation consultation with Riccardo and Gaurav. No pitch, no pressure — just an honest look at where you stand and what’s possible.
Licensed with Experior Financial Group · Serving Canadian farm families from coast to coast