Finding the shortest and safest route to any of your dreams requires planning and only with a carefully thought out financial plan can you be sure to make the most of your resources and to protect against risks along the way. At Worby Wealth Management, Chris will do his best to help you achieve those dreams with a financial plan that is tailored to your specific needs and based on your individual situation.

Let TRUSTED REGINA's FINANCIAL ADVISOR Chris Worby from Worby Wealth Management help you live your dream!

Here Chris provides a great tip on Timing:

As the market peaks and you make your RRSP decisions, here are two questions you should ask yourself about the advice you're getting:

1) Am I getting advice that would save me from a market drop?

2) Will I get advice on when to get back in?

If the answer to either is ‘no’ or ‘I don’t know,’ you should reconsider your source of advice. I am available for free portfolio evaluations if you are concerned that you aren’t getting good input.

There is more risk in the market than most people are aware of. Have a chat with me so you can be aware of it too.

Call Chris Worby at  (306) 757-4747 ext 226  or on his Cell: (306) 737-2909. Check out his listing on the Regina Directory in the REGINA FINANCIAL SERVICES category  . Chris is a Trusted REGINA FINANCIAL EXPERT

Finding the shortest and safest route to any of your dreams requires planning and only with a carefully thought out financial plan can you be sure to make the most of your resources and to protect against risks along the way. At Worby Wealth Management, Chris will do his best to help you achieve those dreams with a financial plan that is tailored to your specific needs and based on your individual situation.

Let TRUSTED REGINA's FINANCIAL ADVISOR Chris Worby from Worby Wealth Management help you live your dream!

Time for Risk?

As we near the middle of the 2013 RRSP season, I have one piece of advice: take a look at downsizing your risk.

• Risk is for a time and place

• Markets move in cycles

• Get some help with figuring out where we are in this cycle

The interesting part of this cycle to me is that market is high again. The Dow Jones and S&P 500 are at levels not seen since before the crash of 2008. So here’s the question:

If we know the market high of 2000 was a bubble, and we know the market high of 2008 was a bubble, and we find ourselves in the same place today, what do we think this is?

It’s kind of the old, ‘If it looks like a duck and quacks like a duck…’ question. The next question though is if it’s a cycle and we do exit, when do we get back in?

I think a good exit strategy also comes with a good re-entry strategy. “When ‘x’ happens, we’ll do this.” It automates your ideas in advance, when you are rational and able to make a decision rather than when things are difficult and a person’s biases may come to bear on the process.

I heard it said well once, “Amateurs think about tactics, professionals think about logistics.” Make sure you’ve got a pro on your side!

Call Chris Worby at  (306) 757-4747 ext 226  or on his Cell: (306) 737-2909. Check out his listing on the Regina Directory in the REGINA FINANCIAL SERVICES category   . Chris is a Trusted REGINA FINANCIAL EXPERT

Finding the shortest and safest route to any of your dreams requires planning and only with a carefully thought out financial plan can you be sure to make the most of your resources and to protect against risks along the way. At Worby Wealth Management, Chris will do his best to help you achieve those dreams with a financial plan that is tailored to your specific needs and based on your individual situation.

Let TRUSTED REGINA's FINANCIAL ADVISOR Chris Worby from Worby Wealth Management help you live your dream!

No school like the old school.

You know the old adage ‘Buy, hold, prosper?’

I prefer an even older one, ‘buy low, sell high.

- Buy and hold only works in certain market conditions -

Sell discipline is the hardest thing to have - Knowing what to do and when to do it pays!

 One of the problems with investing today is that interest rates are low. Another one is that the market seems to give some good gains for a while and then lose everything you got over the past few years. We call this kind of a market a sideways trading market and there’s only one way to make money in it: Buy Low, Sell High. This means doing the opposite of what everyone is saying.

When the complacency is high and people are chasing a little more gain, you need to sell. When people are scared and times are tough, you need to buy. This is where professional guidance can pay off the most. Having someone by your side, helping you make these tough decisions with a system of dependable signals can be invaluable and help you feel as though you are not adrift in the sea of the financial markets. And that’s why I call this old school investing. Nothing gives you gains like buying low and selling high.

Call Chris Worby at  (306) 757-4747 ext 226  or on his Cell: (306) 737-2909. Check out his listing on the Regina Directory in the REGINA FINANCIAL SERVICES category   . Chris is a Trusted REGINA FINANCIAL EXPERT and your Trusted Regina Financial planner

Finding the shortest and safest route to any of your dreams requires planning and only with a carefully thought out financial plan can you be sure to make the most of your resources and to protect against risks along the way. At Worby Wealth Management, Chris will do his best to help you achieve those dreams with a financial plan that is tailored to your specific needs and based on your individual situation.

Let TRUSTED REGINA's FINANCIAL ADVISOR Chris Worby from Worby Wealth Management help you live your dream!

Here Chris Shares a tip:

Do you have too much life insurance?

People used to say you should have 10 times your earnings available as life insurance. I think they are wrong. Here are three things you should consider.

• Your net worth
• How the insurance money may be used
• Every estate should have some insurance

Life Insurance is a safety net for your family when you haven’t had the time to build your own. Consider this, if you are young with dependents and have a fair bit of debt, you will need more money than if you are retired, living debt-free and enjoying your grandchildren.

How the money may be used is important as well. Some insurance policies have tax advantages and estate planning provisions to bypass wills and streamline an estate. Sometimes survivorship is the main concern, for example, a young family with debt and children may need a different plan than someone who is retired. A clear understanding of your options will help you choose an insurance package that best meets your needs.

Time and again, every estate I’ve worked with that has insurance has been much easier to manage. Loved ones left behind have been in better financial shape than those without an insurance plan – regardless of age. Experience has shown me the value of an insurance plan.

 I think everyone should carry some insurance. It’s important to note, any recommendation on dollar amounts need to be personalized to meet your needs. If you are looking at life insurance, you should consult a professional to make a better, more informed decision.

Call Chris Worby at  (306) 757-4747 ext 226  or on his Cell: (306) 737-2909. Check out his listing on the Regina Directory in the REGINA FINANCIAL SERVICES category   . Chris is a Trusted REGINA FINANCIAL EXPERT

Being a Trusted Business on the Regina directory comes with alot of responsibilty...no other directory, advertising medium or ' watchdog organization' puts businesses through the process we do before we promote and endorse them...most  rely on the consumers to provide ratings..which are all unverified and un qualified. Trusted is different because the Trusted Regina businesses become Partners...and we promote the mantra that 'only together are we Trusted" ..we all have our parts to play to ensure the directory maintains the standards and high level of integrity that it does.

Trusted then enters into a contract, where the partners sign to uphold the 5 Trusted Guarantees and to ensure that our partners are upholding these guarantees on a daily basis we have a MYSTERY SHOPPER PROGRAM, where we mystery shop a minimum of 10% of our Trusted Partners on an annual basis... we get our mystery shoppers to fillout a report to tell us about the experience....

Our latest business to be mystery shopped is Worby Wealth Management a Trusted Regina Financial service expert 

Well, if you need to trust anyone its the person advising you on your finances..lets see how Chris Worby owner of WorbyWealth Managment !! 

TRUSTED PARTNER: Worby Wealth Management

MYSTERY SHOP CHECKLIST

1. How was the greeting/welcome/call answered?

VERY GOOD!! Chris was very welcoming and inviting.

2. If retail: Appearance of the store / staff and showroom?

Chris's office is very nice and inviting and he even offered some tea as our first visit was rather lengthy (and thorough).

3. Product/industry knowledge of staff?

Chris seems VERY knowledgeable and "had us at hello" so to speak. We felt very confident in his knowledge about the information he provided.

4. If a quote is required is the quote well laid out/ clear?

No quote required really.

5. Did they ask where you found them?

YES!! and did so very clearly.

6. Overall experience 1-10:

9

7. Would you return as a customer/recommend them to close friends?

Yes! and we already have!

8. Did anyone stand out as exceptional? If so who? Why? n/a (Chris is the only one)

9. If you made a purchase/booked a job how was the process? If so refer to the Trusted Guarantees and give an overall mark on each if applicable.

TRUSTED GUARANTEES

1. Provide the service and quality promised.

Yes!

2. Complete the job on time.

 Still not finished but so far so good and its ongoing ..!

3. Charge the price quoted with NO surprises.

No quotes required thus far.

4. Communicate honestly and be responsive to customer needs.

 Chris seems very honest and forthcoming.

5. Resolve any issues with customer satisfaction in mind.

Yes, Chris tailors our visits in order to accomplish the goals set out for us.

Please share any other comments relating to your experience with the company.

Chris is very knowledgeable in his field and instils confidence in us as he is able to create a plan that fit our needs and wants. He seems to have a very systematic approach that leaves nothing overlooked. He also seems to have a stepwise approach with specific goals to cover at each visit that will eventually lead us to our financial goals! It seems hard to consider other businesses/companies after a visit with Chris!! Highly recommended!!

WOW Chris ..you did an awesome job and gained a new client ! Proving yet again that you deserve the Thumbs up!  

Call Chris Worby at  (306) 757-4747 ext 226  or on his Cell: (306) 737-2909. Check out his listing on the Regina Directory in the REGINA FINANCIAL SERVICES category   . Chris is a Trusted REGINA FINANCIAL EXPERT