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

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

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!

I have a print out that shows my retirement projections. Is there anything more I should expect from a financial plan?

Yes – absolutely!

There was a study done a while ago in operating rooms where a checklist made complication rates go down and survival rates go up.

Why? Do checklists make doctors smarter and nurses more capable of performing their tasks? No, it just reminded them of things they needed to think about in order to deal with everything they needed to deal with to make sure everything went well and according to plan. Financial plans are the same and retirement is only a portion of your financial decision making. You have current spending, banking, insurance decisions, will and estate planning – all kinds of other things that are not even on the radar of a retirement plan. And, at the end of the day, a printout will not make your retirement work – you need consistent, on-going advice to see these things through to the end. So beware of the checklistless surgeon – and financial planners!

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

How is financial planning like bicycle racing?

I follow bicycle racing pretty closely and one of the first things that surprised me was how much of a team sport it is. Every team goes into it with a strategy, there are support racers who bring water and food up to the racer they are trying to see win, these same guys cut the wind and allow the eventual winner to 'draft' off of them.

This got me thinking about financial planning. While some investors try to 'go it alone,' wise people engage the skills and knowledge of people around them. In the same way that a team will have a strategy, I have a plan with my clients based on goals and time frames that they provide. I think information is like food and water; if you have it, it will sustain you even when the going gets tough. And the more sources for these things you have the better. I notice that many times I have access to more of it than just the newspaper and business channels. And then there's drafting. If you can be behind someone with access to more information and an ability to stick to the plan, it can make the going way easier. The last thing I noticed is that when a team racer wins, everyone on that team celebrates. Sometimes you'll see someone crossing the finish line with their arms raised in victory 20, 30 places behind the leader. Then you notice their jersey and realize that a team win is for everyone.

Original Blog post by Chris Worby your Trusted Regina Wealth Management and Financial Services 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!

Is an RRSP the best thing to do to reduce my tax bill?

Taxes are a reality – we’re not going to get away from them anytime soon. So instead of thinking about avoiding them in any given year, we should think about reducing taxes over your lifetime. Really, it depends on your situation. If you see a raise coming down the line, it might be good to hold off on the RRSP or, if you are leaving your job soon and see a severance package coming, holding off is a good option there too. In these circumstances, a Tax Free Savings Account (TFSA) might be a better option. On the other hand, you may be reducing your hours or going on a leave of some sort in which case maxing out now might be the right option. There are also other options like Labour Sponsored Investment Funds (LSIF) – a currently popular one in Saskatchewan is Saskworks Venture – that gives an additional tax credit equal to 35% of deposit up to $5000/yr. So, again, there is no clear cut option. But, as I always say, I’d rather pay tax on money I have than not pay tax on money I don’t have!

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