Trusted Tips and Resources

Trusted Tips & Resources

Congratulation to Al Schick Construction on Celebrating Their 20th Anniversary


CONGRATULATIONS, AL SCHICK CONSTRUCTION - CELEBRATING 20 YEARS OF TRUSTWORTHY BUSINESS PRACTICES IN REGINA 

This latest article celebrates and recognizes Al Schick Construction, Trusted Regina Contractor, and Regina residential renovation pros. as they celebrate 20 years in business! 

'A Regina General Contractor You Can Trust

AL SCHICK CONSTRUCTION CELEBRATES 20 YEARS!  


Congratulations to Al Schick Construction on celebrating 20 years!  The business has been operating since 2003, and he runs a well-established local family-owned and operated Trusted Regina renovation company. Led by Al Schick, who has extensive experience in renovations and project management, the company has built a stellar reputation in Regina.




A HISTORY OF EXCELLENCE AS STANDARD


Al Schick's expertise in construction has been passed down to his son, Les Schick, who has been involved in the business since his teenage years. This family connection ensures a strong commitment to quality workmanship and customer satisfaction.


One of the distinguishing features of Al & Les Schick is their personalized approach to each client. Unlike larger companies, they take the time to get to know their customers personally and prioritize their wants and needs. They aim to bring their client’s visions to life and provide personable, friendly, trustworthy, and professional service.


I would like to thank all of my current and past customers for their business and support, which enabled us to remain in business for 20 years and counting. I would also like to thank my team of past and current employees, including my son Les, for their hard work and attention to detail, because without good people, you can’t do good work. “ Al Schick

The company specializes in various residential and commercial projects in Regina, including interior and exterior renovations. They handle everything from office renovations to large full-scale renos and additions. Whether planning a project for your home or business, requiring insurance work, or needing professional project management services, Al Schick Construction is dedicated to delivering top-notch results.


Their clients say it best!

 “Al is first class all the way! We had a basement renovation completed by Al and an extremely complicated garage added to our home. I would give a 10 out of 10 rating on every aspect of his integrity and workmanship. I have sent many friends to Al and will continue to do so. If I ever need work done in the future, I will pick up the phone, call Al and never even question his bill. I truly do Trust him to do a great job” -Bob R.


A word from Trusted Sara about her personal experience with Al Schick Construction.


" I was told about Al Schick within weeks of arriving in Regina and looking for good, trustworthy contractors. He was quite hard to track down initially,  as he had no website or social media, I eventually got his card from another client in the home building industry and gave him a call. He was friendly on the phone and seemed intrigued about the concept. He agreed to meet me for coffee to learn more but did warn me that he doesn't advertise. Our meeting went really well, he struck me as a warm, humble and friendly man who clearly cares about his customers. He talked about how important it was to him that his customers were happy with the work that was done, and how he was lucky to be doing what he loved for a living. To this day I am grateful that the only place he ever advertised is Trusted Regina, and that he extended his trust to me, he is a perfect example of the kind of businesses I love working with and promoting. In 2022 I met Les Schick for the first time. We met lots and worked together on website content, so I got to know him well which has been great. Les is a chip off the old block and it is great to see a long-term succession plan in place. Regina is lucky to have such a wonderful family construction business as an option, and I can't recommend Al Schick Construction highly enough.    - Sara Wheelwright, Trusted Regina founder.  

With their years of experience, dedication to quality, and trusted reputation, Al Schick Construction is a Regina general contractor you can trust. Congratulations, Al & Les, once again, on reaching this significant milestone!



Thank you for TRUSTING us, Al and Les. You have provided ten years of AMAZING service to the people of Regina & area as a Trusted Regina Partner in Regina Contractors and Regina Renovations categories. We are proud to support Al Schick Construction, and we are thrilled to share that they have diligently upheld the 5 TRUSTED GUARANTEES of service and NEVER had a complaint. 




Tips on Growing Your Retirement Savings From Trusted Regina Wealth Management 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 Barabe talks RRSP's and growing your retirement income! 


Do You Need To Grow Your Retirement Savings? 

Do You Have RRSP's? 

RRSPs, otherwise known as a Registered Retirement Savings Plans, are a tax-deferred plan used for, you guessed it, retirement savings. It is tax-deferred by having all contributions to your RRSPs being tax deductible. This means that the money invested into an RRSPs can reduce your taxable income for that year, and can possibly even result in a tax refund. This makes an RRSP a great tool to use for investing your money for the future, and your retirement. 

In this article we are going to cover the main things you should know before investing in an RRSP including who should invest in an RRSP, how to use an RRSP and the rules around them, and explaining the differences between an RRSP and a TFSA. 


While it’s never too late to start investing, in the specific case of RRSPs that is not technically true. RRSPs have an age limit where you cannot contribute to them after the year you turn 71 years old, and at that point an RRSP can be converted to a RRIF (Registered Retirement Income Fund), or withdrawn and taxed at the tax rate applicable at that time. However, for anyone under 71, an RRSP is a great way to save and invest money for your eventual retirement mainly due to the aforementioned tax benefits, meaning that you get to invest money that only gets taxed when withdrawn, allowing you to defer that tax for retirement when your income, and by extension your tax bracket, will be lower allowing you to pay less tax than you would otherwise, and be growing that untaxed money in investments. 

If you are wanting to invest using an RRSP, there is another important point to note, there is a limit to how much money you can contribute to one in a given year. For the year 2023, your contribution limit is 18% of your 2022 income, up to a maximum of $29,210. It also gets a bit more complicated for some niche cases, because you can also carry forward contribution room from previous years. However, because this contribution room is based on income, you can only accrue contribution room in years where you had an income, and for ages under 18 the maximum contribution room is $2000. If the maximum contribution room is exceeded by more than $2000, there is a 1% per month tax on all of the excess contributions until they are withdrawn. 

Choosing investments for RRSPs can be complicated, and the investments you choose should consider things like your risk tolerance, your time horizon and objectives, and your age and stage of life. If you are interested in investing your money in an RRSP, don’t hesitate to contact us to get started.


John Barabe and Madison Schenher are Trusted Regina Financial Advisors


 

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 Advisor, John Barabe Expert Tips On Investing In a Volatile Market

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 Barabe shares his expertise and tips on investing in a volatile market! 


Investing in a Volatile Market?


First and Foremost, Stay Calm!


Investment decisions made in haste and under stress are rarely good ones. Think about re-balancing your portfolio to make sure your investments remain aligned with your original objectives and risk tolerance.


It’s always worth remembering why you chose to invest in the first place. 

Shares are regarded as a long-term (5 years+) investment. 

Assets such as shares and property have been shown to produce relatively positive returns over the long term, although their prices can be volatile over short periods. 

The fundamental reasons for your original decision to invest may not have changed.


Maybe it’s not all doom and gloom. You may not know for certain that share prices have hit the bottom yet, but you do know that they are X% cheaper than last week/month/year. Put the market fall into context. A ‘market correction’ usually happens after a sustained period of growth – from which you may benefitted. 


Whatever you decide to do, don’t be panicked into stopping saving altogether unless you can’t afford to.

Don’t over react…If you need to take income, think about all the potential sources you could take it from. Bonds, property and cash savings may be options you could explore while giving your shares time for potential recovery.


As you look ahead, make sure you’re as prepared as you can be for future dips in the market. To help ride out volatile situations, diversifying your portfolio so that you have a good spread of investments across the main asset classes (shares, fixed income, cash, and property) could help with this. If one of the assets in your portfolio does badly, only part of your overall wealth will be affected.

The return on shares and share-based funds comes from two sources: the capital return and the income or dividend return. Drawing only the income or dividends from these investments means the capital remains invested, so any future recovery (or movement in the opposite direction) will influence the value.


Creating a rainy day fund is something to think seriously about – especially if you have benefited from a long bull run (upward movement) in the value of shares. Some people choose to hold at least a year’s worth of income in cash – although not everyone will be in a position to do this.


In Conclusion


While staying the course might sound boring to you, it is likely the absolute best thing to do right now. Despite this widespread knowledge, retirees often overreact when the market drops and divest some of their equities. One way to minimize this harmful financial behaviour is to listen to your Trusted Financial Advisor. One of the great benefits of having a Local Regina Financial Advisor is to steady your emotions during the volatile markets.


Keeping Calm During Stock Market Corrections


The closer you are to retirement, the more worried you may have been about the stock market’s recent fluctuations. This volatility illustrates the importance of matching your investments with your risk tolerance and investing time frame, especially as you get closer to retirement. Here are answers to key questions about dealing with market volatility. So, although we don’t want to spread any messages of impending doom, it always makes sense to prepare for the worst and hope for the best.

 

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 Advisor, John Barabe Explains Why You Should Consider A Financial Planner


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 Barabe explains why you should work with a financial advisor to manage your wealth. 


Do You Need a Financial Advisor?

Why can’t you do your own investing? Well, you can. However, many people do find success employing a professional. Consider this story. Let’s say you make two different investments, each for $1,000,000. You are a long-term investor so you know not to get worked up with fluctuations. Let’s say 1 year later, your one investment (A) is now worth $2,000,000 and your other investment (B) is worth $500,000. You have reached your maximum pain point with B and decide to sell and take the money and buy more A. I believe this is also what most people would do.

My story is of course made up and there are no further details to judge your action. However, most people don’t concern themselves with more details than the historic gain or loss anyway. Let’s now examine the (arguably) most important rule in investing. BUY LOW, SELL HIGH.
By selling B and buying A an investor is actually doing the opposite. Sell low and buy high is not a good practice to follow. When you buy high, you limit your upside and expose yourself to exaggerated downside. The opposite is true when you sell low. When an investment is low, you typically limit downside and potentially exaggerate upside. Doing the opposite will take its toll in the long term.
I have included Buy Low, Sell High in presentations for decades. I felt so strongly about this “#1 RULE” that I hired a lawyer and had it trademarked. To find out more about how you can benefit from our seasoned direction please contact us by email or phone.

 

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.

CONGRATULATIONS WINMAR® REGINA, Celebrating 10 years as a Trusted Regina contractor specializing in abatement and disaster services.

CONGRATULATIONS, WINMAR® REGINA - 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. Currently, we are recognizing Partners that joined the Trusted Regina community 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 WINMAR® Regina, a Trusted Regina contractor specializing in abatement and disaster services. 


'We're Coming Through For You'


WINMAR® Regina


Who do you turn to after a disaster? You talk to your insurance company but then what? You are asked to get quotes to rebuild your life. As part of Canada's most extensive restoration network, WINMAR® Regina has been in business since 2010; a family-owned business that carries the values of the Co-owners, Anna Tzortzis and Kyle Jacques: honesty, integrity and a high level of professionalism. When disaster strikes, customers are provided with a personal service with a fundamental understanding of their loss.


Anna got her start in the construction business when she was just a teenager at her mother and stepfather's WINMAR® location in Chatham, Ontario. She started as a labourer, and she was working and learning how to run the office when she graduated high school. Kyle began construction during his teen years as well. Continuing in the construction field after high school, he found himself working as a roofing contractor for WINMAR® Chatham. That is where this power couple met and the beginning of something special.


Anna and Kyle started dating in 2013 and married in 2017. Together they are raising their two children. This family enjoys camping outdoors, snowmobiling and playing on their five acres. But for how much fun they have away from job sites and the office, work is a serious business for this couple.




WINMAR® Regina works with insurance companies to restore all kinds of claim work. These specialists are trained to take on a damage claim caused by anything from earth, fire, wind or water as a minor repair or a fully finished restoration. From city to country, firm to farm, they will do it all — residential, business or commercial.

But what if the problem wasn't from a disaster? Kyle and his crew also cover a wide range of specialties, from asbestos abatement and mould removal. They are qualified in water damage restoration, structural drying, microbial remediation, fire and smoke restoration and odour control. Winmar has the qualified staff for customized repair, or renovations, leaving you to decompress — not stress.

A LOCAL ENTREPRENEURIAL SUCCESS STORY.  

Anna and Kyle have grown their business significantly since the Trusted Regina team first met them in 2012. They now own 5 WINMAR® locations across Saskatchewan, and recently, they moved into Manitoba! 


WINMAR® Regina, SK, was opened by Anna in 2010 and she brought Kyle into the Regina location in 2013.

WINMAR® Moose Jaw, SK – Kyle opened in 2010 with Anna's parents. Kyle and Anna are the current owners.

WINMAR® Estevan, SK – Kyle and Anna opened in 2016

WINMAR® Yorkton, SK – Kyle and Anna opened in March 2019

WINMAR® Brandon, MB – Kyle and Anna opened in September 2022


A FOUNDATION BUILT ON COMMUNITY SUPPORT.


WINMAR® Regina believes in having a positive and meaningful impact in the communities where they operate. They proudly support many local non-profits and organizations. Since their teen years, Anna and Kyle have spent their time restoring the lives of others. Even through their charitable work, they have been involved in helping children live better lives. They have made donations, including Ronald McDonald House and fundraising for autism. They have been involved with Santa's Anonymous and the Boys and Girls Club of Yorkton. They also sponsor the Regina PATS. Whatever they can get involved with, they will get involved with.


Anna launched Willy WINMAR®, everyone's favourite handy-bear, on July 1st, 2021. Willy has already attended Regina's "Food Truck Wars," "Summer Bash, and Summer Market" and has posed in countless selfies with his adoring fans.


This cuddly blue bear has only started working but has a vital role in the community. There could be times of trauma when Willy Winmar will be on-site handing out teddy bears to children who need a stuffed friend…a simple act of kindness showing this family-owned company's integrity.


WINMAR® Regina's most recent donation initiative was before Christmas 2022, and it was to the Inpatient Mental Health Adolescent Unit and Youth Detox at the Regina General Hospital.  


They took "Willy WINMAR®," shopping at Walmart in the Eastend and bought several items from a list provided by the Units manager,  Shalon Fleming BPAS; CSEP, CEP. 

They got pretty much everything on the list and purchased an additional Ten $25 gift cards to top up anything else they may have needed that was not on the list. The total tally of the Donation was $2,600.


They then ventured to the Hospital, where the staff greeted the WINMAR®  with lots of excitement and appreciation for the gesture. They also mentioned that they do not receive much attention regarding people or companies donating to their Unit. Willy finally arrived at the Adolescent Psychiatry Unit and wandered down the halls handing out some of the gifts purchased earlier that morning. They shared that the expressions on the kids' faces were priceless. They were hugging Willy, High pawing him and just super happy to see him and receive these items.



What WINMAR® Regina Clients Say…


“ WINMAR® did a total home renovation after a fire at my house.  The service was excellent and they did an amazing job, especially during COVID.  The whole WINMAR® team deserves recognition.  Their sub-contractors were very good too with Velocity Plumbing and Heating doing the HVAC and Active Electric doing the electrical.  All were professional and communicated with me as the homeowner.  I would recommend them all.”- Don Hamilton
“We recently had water damage to our family room bar area.  My insurance adjuster hooked me up with WINMAR®.  Their reps called me immediately and came over to inspect the damages within the hour.  The next day they had a team remove old rugs, tile-damaged walls, etc.  I found their team to be very courteous, friendly and hard-working.  Our Project Manager was amazing.  He made sure the workers and job duties were coordinated in a timely manner and that everything was done to our satisfaction.  I would recommend this company to anyone”- Patti Schlechter


A message from Anna & Kyle at WINMAR® Regina

“At WINMAR®, we are dedicated to making positive changes that affect not only how we operate but how we impact the community. For the people of Regina and surrounding communities, it is important to showcase that WINMAR® will come through for you and that no job is too small, and no job is too big for us. WINMAR® Regina supports its community and its people. Our mission is to not only help when disaster strikes but help unify our community” - Kyle Jacques & Anna Tzortzis

A word from Trusted Sara about her personal experience with WINMAR® Regina


“ I first met Anna in 2012 and was impressed by her drive and I enjoyed hearing her entrepreneurial story. I had been referred to her by Selena, her cousin, who, at the time,  also co-owned a WINMAR® franchise in Saskatchewan. There's not many women owned disaster services and construction companies, so I was interested to hear how she ended up owning a WINMAR® franchise in Regina. Anna shared that she was a second generation WINMAR® franchise owner, and that she had literally grown up in the industry. It was clear that she was not afraid of getting her hands dirty, Anna is a shinning example of a woman in trades,  and she really knows her stuff! Over the years it has been wonderful to see how Anna and Kyle have grown and expanded their business, they are a dynamic duo and 100% committed to doing the best job they can for their clients, partners and the growing team of employees across the Prairies.  Community support is a big part of their brand, and the whole family get involved in giving back in so many ways. If you are looking for a Regina disaster services comany or a general contractor I guarantee that WINMAR® Regina is a local family owned company you can trust! " Sara Wheelwright

Thank you for TRUSTING us, Anna, Kyle, Pete, Maria and the WINMAR® Regina team! You have provided ten years of AMAZING service to the people of Regina & area as a Trusted Regina contractor specializing in abatement and disaster services. We are proud to support you and share that they have diligently upheld the 5 TRUSTED GUARANTEES of service and have never received a complaint about them!

Previous Posts

ADDRESS

S & E Trusted Online Directories Inc
TrustedRegina.com
310 Wall St #209
Saskatoon, SK   S7K 1N7
Ph: 306.244.4150

GET THE APP

App Store Google Play
Follow us on Facebook Instagram Linked In Twitter YouTube RSS Feed
Abex
Abex
Stevies
Sabex
NEYA
Website hosting by Insight Hosting