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

Winmar provides expert advice and world-class service! They have certified consultants who are there for you 24/7 for REGINA disaster response services, fire and flood damage & restoration throughout Saskatchewan...they are your REGINA Disaster Services EXPERTS and a TRUSTED REGINA CONTRACTOR  

WINMAR® Regina performs restoration services for residential and commercial properties across Saskatchewan. Our crews offer prompt and professional services to help our customers get back to pre-loss life with the least amount of interruption and associated costs as possible. . They are the Regina property restoration specialists. WINMAR IS A TRUSTED REGINA DISASTER SERVICES & REGINA GENERAL CONTRACTOR. In their latest tip,  they share how they are making a difference. 

Why Dry Ice Blast Mold?

The key ingredient required to dry ice blast is dry ice pellets which are created by taking liquid carbon dioxide from a pressurized storage tank and expanding it at ambient pressure to produce snow which is compressed to make hard pellets. Dry Ice Blasting is a process in which a blasting gun fires dry ice particles, about the size of rice, at extremely high speeds to impact and clean the surface. The particles are accelerated by compressed air. When the dry ice hits the surface, it goes from a solid-state to a gas state without passing through a liquid phase and cleans the surface. Dry ice blast cleaning is a favoured method of cleaning mould because it is so effective and efficient.

Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all their clients. Their long-standing reputation in the community remains strong through maintaining high standards of excellence and ensuring that their client's insurance needs are met. Dusyk & Barlow is a TRUSTED REGINA INSURANCE Brokerage and in this insurance article, they answer insurance FAQs from the Regina public.

Your Insurance Questions Answered By Dusyk & Barlow Insurance Brokers 

1. Child Moving Out- What Insurance do they need? 

 When a child moves out they should get insurance for their home and belongings through Home, Tenant and Condo policies. Your insurance will provide you coverage for such things as fire, and theft. Liability is also included in these options, which will cover you in case you are sued due to negligence or cause bodily injury or property damage.

2. What is Broad Coverage?

Broad Coverage for the most part is the Cadillac coverage on the building and Pinto coverage on your contents. However, most insurance companies do offer coverage which is the opposite, so you can have the Cadillac coverage on your contents and Pinto on your dwelling. If you have broad coverage, you can insure specific belongings by scheduling them on your policy. This option is available for certain types of belongings like jewellery for example. This does require an additional premium, however, the coverage is comprehensive, and you can have a lower deductible.

3. Teenager getting in accidents with parents vehicle?

SGI brought out the Safe Driver Recognition Program many years back, it is intended to penalize the driver, not the registered owner in your case. However, if you have an auto policy, these accidents will affect the policy, as it is paying out for the damages. I always recommend that parents register the vehicle in their child’s name if they are the primary operator of that vehicle. By doing this it will not cost the parent extra on their own auto policies, as well for liability purposes.

4. What exactly is No-Fault Insurance?

The public has a common misconception of what No-Fault means. No-Fault means that as long as you have valid plate insurance, it does not matter who is at fault, regardless of whether it is a multi-vehicle accident or just one vehicle, the injured parties will be provided with some medical coverage. This coverage depends on whether you have chosen to be covered by No-Fault or Tort.

5. I am going away on vacation what should I do regarding my home Insurance?

 It depends on what time of year you go away. In the warm season, there is no requirement. However, we always recommend that you turn off your water. In the winter it is different. During this time of year, insurance companies require the following steps to be taken: you must turn off your water, have someone come in daily to check on your house or have an alarm system that monitors for low temperatures.

6. When travelling is my stuff insured? 

When you are travelling, your home, tenant or condo insurance will temporarily cover you anywhere in the world. This includes liability coverage. However, you will be subject to your policy coverage, policy limits and your deductible.

7. Scheduled Insurance for expensive items of Jewellery- worth it?  

If you have valuables it is essential that you discuss them with your insurance broker. Every insurance company has different limits and depending on the type of policy you have chosen, you could be underinsured or not insured for certain types of losses. It is a good idea to have your jewellery appraised. By doing this we can schedule your valuable jewellery on your policy for an additional premium. Scheduling your valuables will provide them with comprehensive coverage and a lower deductible, which can range from $0 and up.

There are 2 Dusyk & Barlow locations to best serve you  4615 Albert Street South and 302 University Park Drive 

Dusyk & Barlow Are TRUSTED REGINA INSURANCE EXPERTS

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!

RRSP vs TFSA

I get asked this question all the time – “What’s the difference between a TFSA and an RRSP? 

Difference:

• Taxation on the way into and out of these accounts
• Tax Deferred growth in both accounts 
• These are accounts, not investments Both these accounts are very similar except for how they are taxed.

On an RRSP, you get a ‘tax break,’ meaning, if you put money into an RRSP, it will be deducted from your income and you will receive the taxes you have already paid back after you do your tax return. Example. You earn $50,000 and contribute $5000 to your RRSP. Your income comes down to $45,000 but you have paid tax on $50,000. The tax paid on that $5,000 gets refunded to you. The RRSP is therefore an ‘un-taxed’ pool of money. If you take money out, you will then need to pay tax. TFSAs are different in that you do not get a tax break on the way in – in our example, your $5000 does not reduce your income. Which means your account is a ‘taxed’ pool of money and is not taxable when you withdraw it. They both benefit from tax deferred growth – meaning you don’t pay taxes on the interest, dividends or capital gains from the investment in these accounts. But how they are taxed on the way in and on the way out is the difference. And you’ll notice I never said anything about these being investments – that is because neither an RRSP nor a TFSA is an investment – they are accounts.

If you choose to put GICs, Mutual Funds, Stocks or Bonds in these accounts is up to you. But they are just that – accounts.

Which one should you do? I can only make a recommendation if I know your specific circumstances but one thing is certain – you should do one of them!

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