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Trusted Tips & Resources

CONGRATULATIONS To Worby Wealth Management - Celebrating 10 years as Trusted Regina Financial Advisors

CONGRATULATIONS, WORBY WEALTH MANAGEMENT  - CELEBRATING 10 YEARS OF TRUSTWORTHY BUSINESS PRACTICES IN REGINA 

TRUSTED REGINA RECOGNIZES OUR PARTNERS WHO HAVE BEEN TRUSTED FOR OVER 10 YEARS!




 
In this series of recognition articles, we continue to spotlight the businesses that have been Trusted Regina Partners for over ten years. The Trusted team and community recognize the Partners who joined in 2012. We want to thank them for TRUSTING our team, and we are identifying each of them individually for providing ten years of OUTSTANDING service to the citizens of Regina and the surrounding area! This latest article celebrates and recognizes Chris and Jeremiah Worby from Worby Wealth Management - Trusted Regina Financial Advisors.  

‘Worby Wealth Management will help you live YOUR Dream!’ 

Worby Wealth Management 


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

A HISTORY OF HELPING PEOPLE ACHIEVE THEIR DREAMS

Since 2001, Chris Worby has been committed to providing a high standard of financial service to individuals, families and business owners. Chris listens and provides a personalized financial plan. He is personally invested in helping his clients attain their goals. As a third-generation Regina financial advisor, Chris believes in taking a long-term perspective for investing. He currently holds the Financial Management Advisor designation and believes in kaizen – a Japanese term meaning ‘continual improvement.’ 

Jeremiah Worby joined the team in 2021. Through being involved in the stock markets in a non-professional setting since 2007 through personal investing; and with various positions and roles in the service industry, Jeremiah brings exceptional customer service and a willingness to share his knowledge of the investing world. Focusing on clients’ needs is his main goal in helping clients achieve their investment objectives. Born and raised in Regina, Jeremiah graduated from the University of Regina in the spring of 2002 with a bachelor’s degree in Electronic Systems Engineering.

With more than 30 years of accounting and administration experience, Janet Quevillon is the administrator for Worby Wealth Management. Her natural attention to detail is a fit for ensuring all the paperwork gets to the right places in the proper order and that all transactions proceed as planned. Having had experience in financial planning administration and owning businesses in Regina, Janet brings a unique knowledge base to her work here. Her breadth of experience makes her an excellent resource as she can understand the broader scope of administration and business instead of simply pushing paper.

Together, the Worby Wealth Management team provides the highest standard of professional and courteous service. Based on their experience and knowledge of the financial industry, the Worby Wealth Management team has devised a process that helps establish a successful investing framework called the Portfolio Management System. This allows them to guide your dreams and turn them into financial reality properly.

 

Clients know that they can count on a solid exploration of all their financial planning concerns on the path to their financial plan.


What Their Clients Say...

"When I walked in to my first appointment with Chris I knew nothing about investments or RRSPs, and he made me feel at ease and took his time explaining everything to me. I left my appointment feeling much more knowledgeable and comfortable with my finances. I met Jeremiah shortly after and he is as equally friendly! I would recommend them to anyone needing a financial advisor! " Jaki M- Google


"My mother is not very tech savvy, but Jeremiah was extremely patient and accommodating for her. He is extremely knowledgeable and has gone far above my expectations for a financial advisor. I gladly recommend Worby Wealth Management for your investment needs."- Danielle B- Google 

A word from Chris Worby. 


"At Worby Wealth, we realize there are many people licensed to give advice but few advisors. We provide purposeful, deliberate advice to our clients and guidance on how to put that advice into action. In order to do this, we spend time with our clients getting to know who they are and what they are trying to accomplish. The plans we develop are the result of significant time and intelligence brought to bear both in discovery and then in recommendations. And, of course, there is no plan without a benchmark. We will meet regularly and consistently whether the markets are up or down to determine if our strategies are working. Ultimately, anything as important as your financial future needs time – and we’ll take that time here." - Chris Worby, Founder of Worby Wealth Management.
 

A word from Sara, the Trusted Regina founder, about her experience with Chris & Jeremiah at Worby Wealth Management. 


From the first moment I met Chris Worby in 2011 I liked him! Chris exudes authentic charm, and he makes you feel at ease. I immediately knew I could trust him and that he was invested in building solid relationships with his clients. Trust is crucial in the financial services industry, and the news is littered with horror stories about dishonest advisors stealing clients' money! Even though that is rare, you have to be comfortable with the person helping you with your finances as you share your financial history and future dreams. Chris and Jeremiah excel at breaking down the acronyms and high-level stuff into bite-size easy-to-digest pieces. They want their clients to understand what they are doing for them. Their offices' are relaxed, comfortable and personalized; you can see who they are as people, which is the opposite of the ' stiff, formal three-piece suit wearing' financial advisors that spring to mind when we think of an industry stereotype. As a team, they have done an excellent job of educating Regina people on the financial industry. There are many expert tips written by them in the Trusted Regina Tip library here, and that investment has served them well as their client base has grown over the last decade as people find them online and like what they see and read! They are incredible partners, and I wish them all the best for the next ten years! "    - Sara Wheelwright 

Chris & Jeremiah, Thank you for TRUSTING the Trusted Regina team. You have provided over ten years of AMAZING service to the people of Regina & area as  Trusted Regina  Financial Advisors -. We are proud to support you and to share that they have diligently upheld the 5 TRUSTED GUARANTEES of service. It is clear that the Worby Wealth Management team provides the highest level of professional and courteous service in the Regina Financial Services Industry! 




Making Sense of Insurance from Regina Financial Advisor John Barabe

John Barabe and Madison Schenher understand that everyone's financial situation is unique and that managing your wealth can be complex and time-consuming. They have has an unwavering commitment to quality and service which has enabled John to build and retain a successful practice in Regina. The team of Regina financial advisors and support staff believe that planning with honesty and integrity are cornerstones to improving their clients' quality of life. They apply their knowledge to help clients make the right choices when considering all the product and service options that exist in today's marketplace. In their latest Regina financial advisors expert article, John and Madison help you make sense of insurance. 


Making Sense of Insurance


To simplify what coverage is most important, I will divide the coverage types into two main categories: Financial Inconvenience, and Financial Disaster. Financial Inconvenience coverage you can live without. It does not make this coverage bad, just not devastating to your loved ones. Financial Disaster insurance is of far greater importance. 

Financial Inconvenience Insurance

What is financial inconvenience insurance? Examples include $300 Coverage for a new pair of glasses and an extended warranty on a toaster oven. Neither of these would wipe out the household if they had to be paid for directly. Even larger appliances or cell phones could fall under this category. The loss might be hundreds of dollars to fix an item, or even a couple thousand. Definitely put a pinch on the household for a few months, but this reflects the importance and purpose of an emergency fund. 

If not for liability coverage, a package policy on your car would fall under this category. Taking your deductible down from $700 to $200 saves you $500. This is the financial inconvenience part. Liability coverage on the same policy can be a million dollars or more. This falls into the financial disaster area. I would recommend that this type of coverage be thought of as a financial disaster for this reason.

Please understand that financial inconvenience insurance is not bad. This is a personal decision. My experience is that many people will spend money to have financial inconvenience insurance, but come up short or have no crucial financial disaster coverage. The context I am sharing is for you to better understand what deserves your attention and money to protect. 

Financial Disaster Insurance

One of the biggest losses you and your family could sustain is a loss of income. Think of earning $50,000 per year for 30 years. That is a loss of $1,500,000 and would be catastrophic to the household. Your loss of income should be protected against surviving but being unable to work and also in the event of death. 

Disability insurance protects you if an event happens that you survive but no longer can work. With a long-term disability, not only is there a loss of income, but you can end up with additional expenses due to your disability. 

Life insurance protects the household in the event of death. In this case, the loss can include final expenses, legal, accounting, tax, debt, and loss of income. Life insurance should take into account many factors, even beyond the financial portion (estate planning). 

Another type of insurance that is less popular is critical illness. Coverage is a lump sum paid if you survive a heart attack, stroke, cancer, etc. for 30 days. There can be a long road to recovery that is not always covered under other insurance. The funds help to offset your health care costs, such as uninsured prescriptions and treatments, hotel, travel, time off work, home care, and modifications to your home or vehicle. The dollar amount can be less with this coverage as long as you are adequately protected with disability and life. Critical illness can be thought of as filling in the gaps left by traditional coverage.

Insurance can be complex. Our professional independent approach simplifies your insurance planning so that you can be rest assured your family is protected.


 

I am sending this out as material information to keep everyone informed. This is not a solicitation for any investment. Before making any investment decision, please contact us for professional investment advice through our extensive planning process. This is only meant to provide perspective and update you as best as I can from the extensive ongoing research that we do. 

The opinions expressed within this article/communication are those of the Financial Advisor and are not necessarily those of Keybase Financial Group Inc. Any data provided is for illustration purposes only. Clients and prospective clients should always read a product prospectus and fully understand all of the risks associated with the product before purchasing. Any information relating to the discussion of taxation issues is considered to be only general in nature. Clients should seek a qualified tax professional to discuss their specific tax requirements.

Third-party publications are not prepared by Keybase Financial Group Inc. The opinions, estimates and projections contained in the publication are those of the author as of the date indicated and are subject to change without notice. Keybase Financial Group Inc. makes no representation or warranty, express or implied, in respect thereof, takes no responsibility for any errors or omissions which may be contained therein and accepts no liability whatsoever for any loss arising from any use of or reliance on the report or its contents. The provision of this publication is not to be construed as an offer to sell or a solicitation for or an offer to buy any securities.

Keybase Financial Group Inc. is a member of the MFDA and is a member of the MFDA IPC.

Trusted Regina Financial Advisors at Worby Wealth Management Discuss Credit Ratings

Chris Worby and Jeremiah Worby are Trusted Regina based financial advisors and Wealth Management services providers servicing local Regina households and businesses. With over 20 years of experience, Worby Wealth Management has been committed to providing a high standard of financial service to individuals, families and business owners. Worby Wealth Management listens and provides a personalized financial plan.


Credit Ratings

by Jeremiah Worby

We’ve all heard the stories from someone we know (though we may or may not like that person) about having been a victim of some form of identity theft.  Identity theft can drastically affect your credit rating, and your credit rating affects almost everything in your financial world.


Whether you’re looking to apply for a credit card, take out or renew a mortgage, get a car loan, or want to borrow a million dollars from that loan shark down the street, your credit rating will greatly impact the interest rate which you might receive for such loans.



There are two major players in the credit rating world of Canada – those being Equifax and TransUnion.  You can, and we suggest you do, go to both these websites and sign-up for their free service to check your credit scores.



Equifax

Directly from their website, Equifax states:
“We are a global data, analytics, and technology company. We believe knowledge drives progress. Our unique data assets, technology and analytics transform knowledge into insights to power decisions that move people forward.”

Here’s a wonderful and short read [they claim it’s 2 minutes but I think it’s way more like 3 minutes :)] from Equifax about what impacts your credit score.

https://www.consumer.equifax.ca/personal/education/credit-score/what-impacts-credit-score/



TransUnion

Directly from their website, TransUnion states:

Our mission is to help people everywhere access the opportunities that lead to a higher quality of life. By helping organizations optimize their risk-based decisions and enabling consumers to understand and manage their personal information, we empower both to take their destinies into their own hands.”

Here’s a true 2 minute read from TransUnion about 5 factors that affect your credit score.

https://www.transunion.ca/what-affect-credit-score?



Find Out More

Whether you’re 20 years old or 50 years old, credit ratings are of utmost importance. Contact Worby Wealth Management to help fix your credit score and set you on the path to success!


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!


The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This Blog was written, designed and produced by Jeremiah Worby and Chris Worby for the benefit of Jeremiah Worby and Chris Worby who are Financial Advisors at Worby Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this article comes from sources we believe reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds, approved exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc.

Ready To Retire? Trusted Regina Financial Advisors at Worby Wealth Management Share Their Advice

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 & Jeremiah Worby will do their 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 Advisors Chris & Jeremiah Worby of Worby Wealth Management help you live your dream!

Expert Financial Advice Regarding Retirement.



Retirement Considerations


One of the biggest financial questions on everyone’s mind is whether or not they will have enough money to retire?  Not only do savings and investments need to be taken into the equation, income and expenses also need in-depth analysis.

 

Income*

 
Old Age Security (OAS)


The OAS pension is a monthly pension payment payable to eligible individuals.  OAS pension benefits are considered taxable income. To be eligible for full payment, you must:

• be 65 or older

• be a Canadian citizen or legal resident of Canada at the time of application approval

OR

• if you no longer live in Canada (a non-resident), you were a Canadian citizen or legal resident of Canada on the day preceding the day of departure from Canada

• have lived in Canada for a minimum of 10 years (or 20 years for non-residents) after reaching age 18

Individuals who have lived in Canada for 40 years after the age of 18 are eligible for 100% of the OAS pension benefit.

 

 

Canada Pension Plan (CPP)


CPP program benefits, except for the death benefit, are indexed annually for increases in the cost of living.  In order to receive CPP program benefits, eligible individuals must apply.  Benefits are not automatically paid once someone reaches the age of eligibility.  Applications are accepted via two methods; online through the My Service Canada Account, or via paper forms mailed to the applicable Provincial CPP office.

You can start receiving CPP as early as age 60 (at a reduced rate) and as late as age 70 (at an increased rate).  The maximum CPP payment in 2022 is $1,253.59 a month.

 

Tax Free Savings Account (TFSA)

The tax-free savings account (TFSA) provides a way to earn investment income tax-free.  Whereas other registered accounts allow the deferral of tax on income earned within the plan; the TFSA is unique in that any investment income earned within the plan is tax-free when it is withdrawn.  In order to open a TFSA account, you must have reached the age of majority, defined as age 18 or 19, for the province or territory in which you live.  The types of investments permitted in a TFSA include cash, mutual funds, securities listed on a designated stock exchange, guaranteed investment certificates (GICs), bonds, and certain shares of small business corporations.

The annual TFSA dollar limit was established at $5,000 in 2009, the year that TFSAs were introduced as a registered account.  Any unused amounts are carried forward to future years.  The $6,000 contribution room for 2022 means the lifetime contribution limit is now $81,500.

 

Registered Retirement Savings Plan (RRSP)


A registered retirement savings plan (RRSP) is a type of registered savings plan set up underthe Income Tax Act and registered with the Canada Revenue Agency.  An RRSP is not an investment; you cannot buy an RRSP. Instead, an RRSP is a registered investment vehicle within which investors can deposit various types of investments.  In order to contribute to anRRSP, an individual must have earned income.

The growth of money invested inside an RRSP is not subject to tax until it is withdrawn.  In other words, the tax payable on investment growth is deferred until the future.  Since income earned inside an RRSP is tax-sheltered, RRSP investments grow much faster than non-registered investments held outside an RRSP.


Find out more

Whether you’re 30 years away or just a few months from retirement, proper retirement planning is essential. Contact Worby Wealth Management to start planning your retirement today.

 

*Source: Canadian Investment Funds Course




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!



Regina Financial Advisors John Barabe and Madison Schenher Tip On Printing Our Troubles Away

John Barabe and Madison Schenher understand that everyone's financial situation is unique and that managing your wealth can be complex and time-consuming.  they have has an unwavering commitment to quality and service which has enabled John to build and retain a successful practice in Regina. The team of Regina financial advisors and support staff believe that planning with honesty and integrity are cornerstones to improving their clients' quality of life. They apply their knowledge to help clients make the right choices when considering all the product and service options that exist in today's marketplace. In their latest Regina financial advisors expert article, John and Madison discuss currency, printing money and inflation. 



Can a government simply print more of their currency and distribute that “wealth” to the masses to make everyone rich? We know that is not true. If it were, the people in Germany would have been vastly rich in 1923. Instead, they were destitute1. The photo below is of kids playing with a worthless currency, and besides, that is a loaf of bread priced at 4.6 million marks, all from the most famous currency collapse in history. 


Even though this memory is very distant, and nearly all of those directly affected are no longer alive, to this day Germans are heavy buyers of gold and silver. If what was done over there (printing) is now being done here, what lessons, if any, can be learned?  

 

Over the last 2 years, governments around the world have printed on average $834 million dollars every hour of every day, with no end in sight2. The U.S. is printing more monthly than it ever has in history2. Oh, and we are told this inflation is temporary. Or is it? 

 

Let’s say the U.S. cannot stop printing. They are in a bind and believe that printing is the solution. It does seem to be the case considering their reaction has continually been to print for every crisis. If this is the case, they will water down the currency value quickly. Think about what is already happening. Commodities have been gaining value and that reflects inflation. Thinking of this another way, the dollar is losing value to commodities, so stuff gets more expensive. Either way, inflation rises. Higher inflation means investors need to be compensated. A GIC holder will want a higher rate to offset the higher inflation. Extreme debt levels held by people, companies and governments suddenly become more expensive to maintain as interest rates go higher. Can the government afford higher interest rates?



Let’s take the other side of this and say the U.S. stops printing. In order to keep interest rates low, they currently print to buy the bonds to keep the bond prices at their highest ever levels (and conversely interest rates at their lowest levels – the effect of overpaying for the bonds). They are printing very large amounts to purchase this debt. If they stop printing, this extremely large buyer would likely leave a void. With this significant drop in demand for the bonds, the price would also logically drop, and interest rates go up. But that is exactly what no one can afford. Governments included. 

 

There is another alternative. The U.S. stops printing and defaults on their bonds. Pension plans, mutual funds, individual investors and foreign investors all own these bonds. If the government were to default, all the bonds in all these portfolios would become worthless (or worth very little depending on how many pennies per dollar of debt they are willing or able to still pay). I highly doubt this would happen but must admit it is possible. I suspect based on the track record the U.S. has with printing (as do all the other countries of the world) they will continue. History is full of examples of governments continuing to print, and then when things get worse/inflation rises - print more, and so on. 

 

There are other troubling events taking place in addition to the incessant printing. Since the backing of the dollar was removed on August 15, 19713, gold and silver were replaced with military might. Use our dollar to sell your oil (or else). A deal was struck with Saudi Arabia and then the rest of the OPEC nations in 1974. This was crucial to creating demand for U.S. dollars. All oil must be sold in U.S. dollars, and the reserves invested into U.S. debt. Then we have your back (militarily speaking)4. Fast forward to 2021 and Biden suspends arms sales to Saudi Arabia3. The U.S. just pulled out of Afghanistan around the end of June. Then August 23rd Russia signs a deal with Saudi Arabia in a joint military “cooperation”3. So much for the nearly 50-year-old deal that the Saudi’s had with the U.S.! Saudi Arabia was always the principal country with the U.S. oil deal. The Russian deal is most likely military for oil and is unlikely to be in U.S. dollars.

 

Is the demand for U.S. dollars slipping away? Saudi Arabia is the largest OPEC oil-producing nation. That would create significantly less demand for the dollar. If Saudi Arabia no longer sells oil in U.S. dollars, that would likely open the flood gates for other OPEC nations to also sell in other currencies. This is a really big deal. If countries buying oil no longer need U.S. dollars, the demand for the dollar will drop, most likely along with the value. This will cause further inflation (maybe big inflation)! 

 

The U.S. has well past 28 trillion in debt7. The only way this is manageable is with interest rates near zero. If the dollar drops, the value in purchasing power of the bonds drops, even if the bond price were to stay high. The more they print, the weaker the dollar will become (logic) and the higher inflation will go. 

 

When we said manageable, we should correct ourselves. As of 2019, 75% of the U.S. budget was mandatory spending. This mandatory spending represented 95% of their total revenue. In 2020 for the first time in U.S. history, mandatory spending alone is greater than their total revenue.  Problems, where printing is the likely solution, are not confined to the U.S. We reported long ago about ghost cities in China 8


.  


 China’s largest real estate holding company Evergrande cannot make its payments (*9). Evergrande is 5 times the size of Lehman  (the U.S. bank that crashed the stock market in 2008). A number of other Chinese developers have now missed or delayed payments. Much more to this story than this short update allows.




 

Regardless of inflation and fundamentals that signal this could get worse, there are things you can do. Being aware of the dangers allows you to protect yourself and even profit from the opportunities they provide.

 - John Barabe, Madison Schenher and team.



 

https://historydaily.org/germany-hyperinflation

https://www.wsws.org/en/articles/2021/06/17/pers-j17.html

https://dailyreckoning.com/834-million-every-hour/  

http://www.jsmineset.com/wp-content/uploads/live/de1238cf49bc_6EAC/image0011.jpg

https://www.marketwatch.com/story/this-is-how-much-money-exists-in-the-entire-world-in-one-chart-2015-12-18

https://www.forbes.com/sites/rmiller/2021/06/24/government-deficits-the-debt-money-and-inflation/?sh=477248a42340

https://www.americanthinker.com/articles/2021/02/the_federal_reserve_is_taking_us_into_uncharted_and_deadly_waters.html

http://www.jsmineset.com/wp-content/uploads/live/0292cbb0d92f_68F9/image005.jpg  printing cartoon

https://www.zerohedge.com/economics/gundlach-warns-us-roadmap-losing-global-reserve-currency-status

https://www.youtube.com/watch?v=7_Xw5tWsOQo

https://www.breitbart.com/middle-east/2021/08/24/russia-saudi-arabia-sign-military-pact-amid-chaotic-us-withdrawal-afghanistan/

https://www.breitbart.com/middle-east/2021/01/27/report-biden-suspends-arms-sales-to-key-arab-allies-in-the-middle-east/

http://www.jsmineset.com/wp-content/uploads/live/c03799037f1d_902A/image0031.jpg

http://www.jsmineset.com/wp-content/uploads/live/c03799037f1d_902A/image0021.jpg

http://www.jsmineset.com/wp-content/uploads/live/Jims-Mailbox_93E3/image012.jpg

https://www.nytimes.com/1974/06/09/archives/milestone-pact-is-signed-by-us-and-saudi-arabia-acclaimed-by.html

https://citizentruth.org/the-secret-deal-that-formed-the-us-and-saudi-arabias-special-relationship/

https://schiffgold.com/key-gold-news/50-years-ago-nixon-slams-shut-the-gold-window/

https://usdebtclock.org/

https://www.ndtv.com/offbeat/why-china-has-over-50-ghost-cities-2032322

https://usnewsrevolution.com/evergrande-is-collapsing-will-not-make-its-massive-debt-payments/

https://www.asiapacific.ca/asia-watch/massive-chinese-real-estate-company-verge-collapse

https://www.btimesonline.com/articles/151365/20210914/analysis-chinas-house-of-cards-evergrande-threatens-wider-real-estate-market.htm

https://www.zerohedge.com/markets/china-braces-nightmare-scenario-evergrande-offers-broke-investors-discounted-apartments

10 Posted September 15th, 2021 at 8:56 AM (CST) by Bill Holter & filed under Jim's Mailbox in https://www.jsmineset.com/.

11 https://charleshughsmith.blogspot.com/2021/09/ministry-of-manipulation-no-wonder.html

12 https://www.scmp.com/business/banking-finance/article/3152146/evergrande-china-faces-challenging-trade-offs-addressing

12 https://finance.yahoo.com/news/evergrande-crisis-developer-modern-land-093000822.html

12 https://www.youtube.com/watch?v=elpBYWvmmJA&t=476s

 

I am sending this out as material information to keep everyone informed. This is not a solicitation for any investment. Before making any investment decision, please contact us for professional investment advice through our extensive planning process. This is only meant to provide perspective and update you as best as I can from the extensive ongoing research that we do. 

The opinions expressed within this article/communication are those of the Financial Advisor and are not necessarily those of Keybase Financial Group Inc. Any data provided is for illustration purposes only. Clients and prospective clients should always read a product prospectus and fully understand all of the risks associated with the product before purchasing. Any information relating to the discussion of taxation issues is considered to be only general in nature. Clients should seek a qualified tax professional to discuss their specific tax requirements.

Third-party publications are not prepared by Keybase Financial Group Inc. The opinions, estimates and projections contained in the publication are those of the author as of the date indicated and are subject to change without notice. Keybase Financial Group Inc. makes no representation or warranty, express or implied, in respect thereof, takes no responsibility for any errors or omissions which may be contained therein and accepts no liability whatsoever for any loss arising from any use of or reliance on the report or its contents. The provision of this publication is not to be construed as an offer to sell or a solicitation for or an offer to buy any securities.

Keybase Financial Group Inc. is a member of the MFDA and is a member of the MFDA IPC.

 

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