Trusted Tips and Resources

Trusted Tips & Resources

Robert MacKay Trusted Regina Real Estate Lawyer shares three words used to describe MacKay & McLean Barristers & Solicitors

It’s an exciting time – the old house is sold, the new one is ready, and all that’s left is the move…..oh wait – not quite yet! There’s all that legal “stuff” to deal with now….signatures….titles to be given…and pages and pages of documents that need to be signed before the key is in your hand!!! And to top it all off – who really knows a good real estate lawyer?

MacKay & McLean provides the professional services of a large Regina law firm, with the intimate attention of a small firm. The legal process can be daunting and overwhelming, but it doesn't have to be. MacKay & McLean is with you every step of the way.



The three words most commonly used to describe MacKay & McLean Barristers & Solicitors

Service. Solutions. Integrity. 
Being a small firm, the lawyers of MacKay & McLean give personal, professional attention to each of our clients, thus maximizing results while minimizing cost. Our lawyers and front office staff take the time to talk to you so that you are comfortable with the process of our services. More importantly, we take the time to listen to you.
We provide a full range of legal services including:
• Real Estate & Mortgages
• Wills & Estates
• Family Law & Divorce
• Commercial & Corporate Law
• Litigation & Personal Injury


Your first consultation is free so that we may assess your need for a lawyer, cost of services and how we may help you.

MacKay & McLean provides the professional services of a large firm, with the intimate attention of a small firm. The legal process can be daunting and overwhelming, but it doesn't have to be. MacKay & McLean is with you every step of the way.


Robert MacKay is your Trusted Regina Real Estate Lawyer


Chris Worby a Trusted Regina Financial Expert shares 5 Things to Expect from Your Financial Advisor

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 plan that is tailored to your specific needs and based on your individual situation.

Let Trusted Regina Financial Advisor Chris Worby of Worby Wealth Management help you live your dream!

5 Things to Expect from Your Financial Advisor

I spend a lot of time figuring out how to add value to my clients. I read many articles on a daily basis trying to understand people’s money management issues both psychologically and mathematically. I have seen good, bad and ugly in the world of investment and here are 5 things I have integrated into my practice as I think they add value and I think you should look for these qualities in your advisor. 

1. Communication. 

During the 2008 liquidity crisis, I gained a few extra clients because I was actively in contact with my existing clients and other advisors were not in contact with theirs. The fact is that I, like all the others, did not know what was happening or why – a 50% drop over 2 months will have that effect on you! – but that didn’t keep me from calling and having appointments. I may not have had answers, but it was still my job to provide them access to whatever information was available.


2. Pro-activity. 

This one goes a bit hand in hand with the first one but I can’t tell you how often I’ve heard this, “he calls me at RRSP time and I go write him a cheque and don’t hear from him for a year.” Who is the client in this scenario?! One trick I use for this one is to sometimes book our next appointment at the end of this one – even if it’s going to be 6 months down the line. It keeps us all accountable to meet regularly.

3. Interest. 

I often joke that “you don’t have to be a nerd but you do have to hire one” because the reading I do and enjoy and look forward to would put the average person to sleep in about 3.7 seconds! I like people, I like math, I like psychology, I like markets – I like what I do. I don’t do it because I have to; I do it because I want to. If you are working with someone who has to do something, you know it and you also know mediocrity is the usual companion.

4. Relationship. 

Personally, I don’t get a lot of utility out of a transactional relationship. I like to get to know my clients and I like them to know me. I am a little quirky (aren’t we all) and I like other people’s quirks. I enjoy the eccentricities that make people unique and if we are dealing with transactions – “My guy calls me at RRSP time and I don’t talk to him for a year” – I don’t get a lot of personal reward from that. It makes our work together more personal, I can understand people’s goals better and I can advise them better.

5. Competence. 

This one is difficult to assess in an hour or two of meeting someone however, I think it is fair to ask a new advisor about wins and losses. “Tell me about 3 recommendations you’re proud of and 3 that you aren’t.” There is no possible way that everyone bats 1000 when it comes to recommendations based on the stock market but if someone isn’t willing to discuss it with you, that’s a red flag. This also leads to a talk about investment discipline – and that’s where competence truly lies.


I don’t think it’s out of line to treat a new advisor kind of like they are interviewing for a job. I often think of myself as a household’s Chief Financial Officer – you are the CEO; you’re the one making decisions and ultimately responsible. But within the realm of investments and money management services, I give recommendations for my client's consideration.


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 Worby is a Trusted REGINA FINANCIAL ADVISOR EXPERT



Some of the services that Worby Wealth Management can help you with: 

TRUSTED REGINA FINANCIAL ADVISOR Chris Worby from Worby Wealth Management helps you live your dream!

Trusted Regina shares the benefits of working with a qualified licensed builder

Benefits of working with a qualified licensed builder:



There are many benefits of working with a qualified, licensed builder when building a new home. It’s safe to say that building a new home – possibly one of the biggest investments you’ll make in your life – is one place that you want to be very careful about cutting corners.

It’s true that the economic downturn has caused just about everyone to look for ways to save money. Whether it’s haggling for the best deal or even coupon clipping, there may be ways to save money with anything you buy.

But what if you are planning to build a home? Should you just go for the best price, even if it involves you building the home yourself as an “owner-builder” or using an unlicensed contractor to run the job? Even though many people are shocked by the estimated costs for constructing a new home, using an unlicensed contractor or taking on the role of an owner-builder just because it’s the “best price” can prove to be both challenging and costly for the owner.

Licensing rules and requirements vary by province, and primarily are designed to protect consumers. In many provinces contractors must prove that they are qualified to do the work and even may undergo testing, fingerprinting, financial bonding requirements and criminal background checks before they are able to be licensed. Provinces vary as to the extent that general contractors must be licensed, and sometimes licenses only are required for certain specialty trades like electricians and plumbers. Many people debate the value of a license in provinces with lax (or no) enforcement and low standards, and in some places can rightfully claim that the license basically is a tax.

However, when licensing is a requirement in your province, working with a licensed builder at least can give you some peace of mind by knowing that the builder has been vetted to meet your provinces’s requirements and is serious about both its profession and its public image. In addition, hiring a licensed contractor sometimes may provide additional protection for you that is not available to those who use an unlicensed contractor. For example, in some provinces a home owner may file a complaint against their contractor’s license if they have a claim about their home or the consumer may even be eligible to apply for money from a recovery fund that can help them have work corrected or their home completed.

On the other hand, there are an infinite number of stories about the nightmares of unlicensed “illegal” contractors that fail to build a home properly and just disappear after being paid a down payment. You should ask yourself: Why is this contractor not licensed if it is required in your province? It certainly could be a problem if the builder lost his license for bad acts or otherwise is just willing to skirt legal requirements while building your home.

The wall sitting on the top of the ICG foundation is not straight. From the back corner forward, the wall changes positions.

In addition, being an owner-builder or using an unlicensed contractor can shift much of the responsibility and risk to you as the owner. Indeed you may be sued and personally liable if proper insurance is not in place and there is an accident on the job, and you likely will be taking on a larger role in managing the overall job.

So if you are considering being an owner-builder or saving money by hiring an illegal contractor, think again. Here are some of the benefits that you can expect from having a general contractor (and make it one with a proper license, when required) to supervise the entire project and build your home for you:

  1. A general contractor will contract with, manage, coordinate and supervise a project that involves multiple trades as subcontractors (and can do so when properly licensed; in some plaaces, it is illegal for the builder to contract with you and subcontractors for the job unless licensed);
  2. Working with a general contractor can save you time, as the job can be handled more efficiently and by someone experienced with construction schedules and awareness of the project’s “critical path” needs;
  3. An experienced general contractor will have a network of connections that benefit you – whether they are the best subcontractors for the task, or knowing how to reach the inspector quickly so you can keep the project moving;
  4. You likely will see cost savings with a builder evaluating multiple bids from subcontractors and getting the benefit of discounted contractor rates with suppliers;
  5. A good, licensed builder is experienced with processing permits and inspections (and a license typically is required for the builder to pull permits in its name), and will know up front what needs to be done to meet code requirements;
  6. You usually get better construction loan terms and options from banks if you are working with a licensed general contractor;
  7. A licensed builder should carry all the insurance coverage needed (you still should confirm first for any builder), and will manage insurance coverage by subcontractors too; this means that the builder, not you, will be considered responsible for the risks and liabilities associated with the job;
  8. A licensed builder can provide a contractual warranty to you for the home and its integrity; plus, commercial home warranty companies typically only provide coverage when the home is built by a licensed builder;
  9. In general, a quality home built by an experienced contractor should need less maintenance and fewer repairs during its lifetime; a quality home has better resale value and is likely to hold its value longer.

The wall is hanging off the ICF foundation.

Chances are, hiring an experienced general contractor that is properly licensed can save you a lot of headaches, time and money when building your new home. However, like any licensed profession (whether it’s doctors, lawyers or builders), a license alone does not mean that they will do a quality job and be good at what they do. As we’ve described before there are many things to evaluate when hiring a builder, so you still should do your research, check references and make sure you have seen some of their finished projects in person.


A Trusted Regina Insurance Experts share a tip on Home Insurance

Home Insurance

Whether you live in your own home, a condo or are renting, you need to know you’re covered in case the unexpected happens. Conexus Insurance representatives can help secure your peace of mind. Our insurance professionals will meet with you to discuss your needs, to ensure you have an insurance package that works for you.



Home Insurance - If you own your home, you not only need to protect the building, but also your valuables inside. Although you may not want to think about it, the unexpected such as fires, vandalism or theft can happen.

A home insurance policy will ensure your property and all your belongings are covered. Coverage also includes protection from liability for accidents to people who may be on your property. A home, condo or tenant policy will make sure you’re covered.




Not all home policies are created equally, or priced the same. They are designed to meet each individual’s needs. Make sure you’re covered! Contact an Insurance Representative today for your free quote!  


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