The Trusted Community Welcomes The Kinsmen Foundation -TeleMiracle As The First Trusted Regina Non Profit

24. Oct 2023 Trusted Regina Trusted Partner News, Trusted Regina Directory , Trusted Regina new Trusted partner

The Trusted Regina team is thrilled to announce a new category in 2023- Trusted Regina NON-PROFITS!

This is such a good fit for us, as we have always had a strong community focus. Trusted was proud to be recognized as the Saskatchewan Chamber of Commerce ABEX Award for Community recipient in 2017.

In 2023, we felt it was time to extend the love, and we are revealing the first of our three Trusted Regina Non-profits. We are excited to announce that The Kinsmen Foundation - TeleMiracle is our first-ever Trusted Regina non-profit partner.

The Trusted Regina team is thrilled to welcome the Kinsmen Foundation - TeleMiracle to the Trusted Regina community.

We are grateful to have a wonderful relationship with the folks at The Kinsmen Foundation here in Saskatoon. Our sister company, Trusted Marketing Services, has been working with The Foundation for the last ten months, helping them with social media and other marketing pieces, and a past Trusted Saskatoon team member, Carman Praski, is the Fund Development Manager. Carman introduced us to the organization in 2022, and we are in awe of all they do for this province! We look forward to helping them reach even more people through our networks and assisting them in raising as much money as possible through the 2024 TeleMiracle Telethon, which takes place in Regina on February 24th and 25th.

"Ring Those Phones"

TeleMiracle, the beloved annual telethon, has been a cornerstone of Saskatchewan culture for decades, raising millions of dollars to support people in need. As we open our hearts and arms to the incredible team at TeleMiracle, let's explore the history of this iconic event and its remarkable impact on the people of Saskatchewan.

The TeleMiracle Legacy

The history of TeleMiracle stretches back to 1977, when it was first introduced as an annual telethon organized by the Kinsmen and Kinettes of Saskatchewan. Over the years, it has become a cherished Saskatchewan tradition, as much a part of the province's cultural fabric as wheat fields and prairie sunsets.

Every year, TeleMiracle unites people across Saskatchewan with a shared purpose: to raise funds to support individuals with medical expenses, special needs, and mobility challenges. The telethon is more than just a fundraiser; it is a symbol of hope, unity, and the indomitable spirit of the people of Saskatchewan.

The Impact of TeleMiracle

TeleMiracle's impact on Saskatchewan cannot be overstated. The funds raised through this annual event go to support a wide range of programs and services, including medical equipment, travel assistance, and other vital resources for individuals facing life-altering challenges. See an example of their impact in the video below.

The Kinsmen Foundation, through TeleMiracle, has played a crucial role in transforming lives and providing much-needed assistance. Many families and individuals have found hope and relief through their initiatives. The positive impact of TeleMiracle extends not only to those directly assisted but also to the entire province. It reflects the compassion and generosity that define the Saskatchewan community.

A Team with Huge Hearts

At the heart of TeleMiracle's success is the dedicated team of dedicated individuals working tirelessly to make it all happen. The Kinsmen Foundation's dedicated employees, who work tirelessly behind the scenes all year, the Kinsmen and Kinettes of Saskatchewan, along with countless volunteers, have shown unwavering commitment and enormous hearts in their efforts to organize the annual TeleMiracle telethon. They embody the spirit of Saskatchewan, where people come together to help one another, where communities rally in times of need, and where kindness knows no bounds.

This exceptional team exemplifies the very essence of Trusted Saskatoon, where businesses and organizations that are committed to their community and share a genuine desire to make a positive impact are celebrated.

“The Kinsmen Foundation is an amazing organization with a genuine mission to help Saskatchewan residents with miracles of mobility equipment and much needed financial support when they have nowhere else to turn. I’m so humbled and grateful to be able to give my time and talents to making our province a better place, one individual and one family at a time. TeleMiracle is truly rooted in Saskatchewan with such a long-standing tradition of success, and without our generous TeleMIracle donors, who are our true Miracle Makers, we couldn’t do what we do in Helping People Every Day. Thank you, Saskatchewan!” – Carman Praski, Fund Development Manager, Kinsmen Foundation

As we welcome the Kinsmen Foundation's TeleMiracle to TrustedRegina as a Non-Profit, we embrace not only a tradition but a symbol of hope, unity, and the incredible spirit of Saskatchewan. TeleMiracle has touched countless lives, providing assistance, support, and a beacon of hope to those who need it most. We look forward to supporting their continued efforts and to standing alongside this incredible team. In an ever-changing world, it's comforting to know that the values of compassion, community, and a willingness to lend a helping hand remain unwavering in Saskatchewan. TeleMiracle is a shining example of these qualities. We salute the Kinsmen and Kinettes of Saskatchewan and all who contribute to this incredible endeavour. Together, we'll continue to positively impact our province, as their motto says...

'Helping People Every Day'

Kinsmen Foundation - TeleMiracle is a Trusted Regina Non-Profit

Trusted Regina Financial Advisor Chris Worby at Worby Wealth Management Provides Financial Advice on Estate Plans

7. Oct 2023 Ashlyn Regina Financial Services, TRUSTED TIPS

Chris Worby is a Trusted Regina-based financial advisor and Wealth Management services provider. 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 in Regina and area. Worby Wealth Management listens and provides a personalized financial plan. In their latest Worby Wealth Management Trusted Regina Financial Tip, Chris Worby shares information on what an estate plan actually consists of.

What is an Estate Plan? Hint: It’s Not Your Will

FAQ: Is A Will An Estate Plan?

An estate plan is a comprehensive and strategic set of legal and financial arrangements designed to manage an individual’s assets and affairs during their lifetime and ensure their wishes are carried out after their passing. While a will is an essential component of an estate plan, it’s just one part of a more extensive plan that typically includes several other crucial elements.

These elements can include:

Will – A will is a legal document outlining how a person’s assets should be distributed after death. It may also specify guardianship for minor children and appoint an executor to manage the distribution process.

Trusts – Trusts are legal entities that hold and manage assets for the benefit of designated beneficiaries. They can be used to minimize estate taxes, provide ongoing financial support to beneficiaries, and dictate how assets are distributed over time.

Power of Attorney – This document designates a person to make financial and legal decisions on your behalf if you become incapacitated or unable to manage your affairs.

Medical Power of Attorney – This allows someone you trust to make medical decisions if you cannot do so yourself.

Living Will – Also known as an advance healthcare directive, a living will should outline your preferences for medical treatment in case you cannot communicate your wishes, particularly in critical or end-of-life situations.

Beneficiary Designation – For assets like retirement accounts, life insurance policies, and certain bank accounts, you can name beneficiaries who will inherit these assets directly, bypassing the probate process.

Letter of Intent – While not legally binding, a letter of intent can guide your loved ones and the executor of your estate about your personal wishes, sentimental bequests, and other non-financial matters.

Guardianship Designations – If you have minor children, an estate plan can specify who will be their legal guardian in case both parents pass away.

Charitable Giving – An estate plan can include provisions for charitable donations or the establishment of charitable trusts or foundations.

Business Succession Planning – For business owners, an estate plan can outline how the business will be transferred or managed upon the owner’s death or retirement.

Estate Tax Planning – Depending on your jurisdiction and the size of your estate, an estate plan can include strategies to minimize estate taxes.

Estate planning involves careful consideration of personal and family circumstances, financial goals, and legal implications. Working with professionals is advisable to create a customized estate plan that aligns with your wishes and maximizes the benefits for your beneficiaries.

Contact Worby Wealth Management Regina so we can review your estate planning needs today.

Find Out More

Click here to see 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 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 Chris Worby for the benefit of Chris Worby, a Financial Advisor 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 are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the publication date and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell securities. Mutual Funds approved exempt market products and/or exchange-traded funds are offered through Investia Financial Services Inc.

Trusted Regina Financial Advisor Chris Worby at Worby Wealth Management Earned The Chartered Investment Manager (CIM®) Designation

7. Oct 2023 Ashlyn Regina Financial Services, TRUSTED TIPS

Chris Worby is a Trusted Regina-based financial advisor and Wealth Management services provider. 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 in Regina and area. Worby Wealth Management listens and provides a personalized financial plan. In their latest Worby Wealth Management Trusted Regina Financial Tip, Chris Worby shares information on The Chartered Investment Manager (CIM®) designation he has attained.

The Chartered Investment Manager (CIM®) Designation

2023 started a little differently from past years for me. I had been working on a partnership for about 5 years that didn’t work out in 2022, and while it was a great learning experience, I was not happy about putting in so much work to have it not become a reality.

So I did a little strategic thinking, and one thought that kept coming up in my mind was this, “If you were talking to you 20 years ago, what would you advise yourself to do at that time.”

Well, that’s a heck of a thought to have after 22 years in the business, with another 15 to 20 ahead. Because it’s obvious what I’m really asking myself, “How stuck are you in the way you are doing things, and how would you like to get better.”

The answers to these questions started to flow; the first was education. In March of 2023, I signed up for the Wealth Management Techniques course and followed it up with Portfolio Management Techniques. These, combined with my years of experience, allow me to become a Chartered Investment Manager (CIM®) and, if I should so choose, would allow me the opportunity to become a portfolio manager.

Portfolio Managers can operate at a level in our industry that most advisors never even consider. In their purest form, they do the actual buying and selling of investments on behalf of clients on a discretionary basis, acting in a fiduciary capacity beyond what the average mutual fund advisor or stock broker does. It is not an understatement to say it is the pinnacle of what our licensing can offer!

My goal is, and always has been, to offer my clients an experience that is different and more encompassing than what is available elsewhere. I want the time in my office to be enjoyable rather than intimidating. I want to give advice that is accurate and timely. I want my financial solutions to be well thought out and considered based on evidence and education.

My attainment of the CIM® designation is a strong step in this direction, and I am excited to announce it. I am also happy to say it is not the only step forward on the course I have mapped out. I can’t wait to share more as it unfolds!

Find Out More

Click here to see 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 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 Chris Worby for the benefit of Chris Worby, a Financial Advisor 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 are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the publication date and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell securities. Mutual Funds approved exempt market products and/or exchange-traded funds are offered through Investia Financial Services Inc.

Trusted Regina Financial Advisor Chris Worby at Worby Wealth Management Explains Life Insurance

7. Oct 2023 Ashlyn Regina Financial Services, TRUSTED TIPS

Chris Worby is a Trusted Regina-based financial advisor and Wealth Management services provider. 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 in Regina and area. Worby Wealth Management listens and provides a personalized financial plan. In their latest Worby Wealth Management Trusted Regina Financial Tip, Chris Worby shares information on how you decide on your life insurance.

How Much Life Insurance Do You Need?

Insurance is about the catastrophe – so we don’t like discussing it. The first thing anyone wants during a challenging time is a plan, not to think or consider options but to have a plan. Determining the appropriate amount of life insurance coverage depends on various factors unique to your personal situation. While there isn’t a one-size-fits-all answer, considering the following aspects can help you estimate your life insurance needs:

Financial obligations: Calculate your financial obligations, including outstanding debts like mortgages, student loans, credit card debt, and other loans. Additionally, consider ongoing expenses such as monthly bills, childcare, education costs, and future financial goals (e.g., funding your children’s education or retirement savings).
Income replacement: Life insurance can help replace your income to support your family in case of your untimely death. Consider how many years of income your family would need to sustain their lifestyle and meet financial goals if you were no longer there to provide for them.
Dependents: Evaluate the number of dependents relying on your income. Consider their financial needs, including childcare, education, medical expenses, and other living costs.
Spouse’s income: If your spouse or partner also generates income, assess their earnings and how it would contribute to covering the family’s financial needs. This may influence the required amount of life insurance.
Existing assets and insurance: Consider your existing savings, investments, and any other life insurance policies you hold. These assets can provide a cushion and reduce the amount of life insurance coverage needed.
Future financial goals: Consider your long-term financial goals, such as retirement savings and estate planning. Factoring these goals into your life insurance needs can ensure your loved ones have the financial means to continue working towards those objectives.
Final expenses: Account for funeral and burial costs, as well as any potential medical expenses or estate settlement, costs that your loved ones might have to bear.

Once you have a comprehensive view of your financial obligations and goals, you can work with a financial advisor or use online calculators to help estimate the appropriate life insurance coverage. These tools consider your specific inputs and provide a recommended coverage amount based on industry standards and best practices.

Keep in mind that your life insurance needs may change over time due to factors such as lifestyle adjustments, career advancements, or changes in family dynamics. It’s advisable to review your life insurance coverage periodically and make adjustments as necessary to ensure it aligns with your evolving circumstances. Contact Worby Wealth Management Regina so we can review your insurance needs today.

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 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 Chris Worby for the benefit of Chris Worby, a Financial Advisor 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 are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the publication date and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell securities. Mutual Funds approved exempt market products and/or exchange-traded funds are offered through Investia Financial Services Inc.

Trusted Regina Financial Advisors at Worby Wealth Management Reveal The Rules of Investing

18. Aug 2023 Ashlyn Regina Financial Services, TRUSTED TIPS

Chris Worby is a Trusted Regina based financial advisor and Wealth Management services provider. 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 in Regina and area. Worby Wealth Management listens and provides a personalized financial plan. In their latest Worby Wealth Management Trusted Regina Financial Tip, Chris Worby shares information about the rules of investing.

Rules of Investing - Gotta Know The Rules To Win The Game!

At Worby Wealth Management We are committed to providing a high standard of Investment advice to individuals, families and business owners. Understanding and following certain rules can be helpful when it comes to investing. While investing is not a guaranteed game, adhering to some principles can increase your chances of making informed decisions and achieving your financial goals.

Here are 10 key rules of investing:

Set clear investment goals: Before you start investing, it’s important to define your investment objectives. Are you investing for retirement, a down payment on a house, or a specific financial milestone? Having clear goals will help shape your investment strategy.
Diversify your portfolio: Diversification involves spreading your investments across different asset classes, sectors, and geographic regions. By diversifying, you can reduce the impact of any single investment’s performance on your overall portfolio. This helps manage risk and potentially enhance returns.
Understand your risk tolerance: Assessing your risk tolerance is crucial. Some investments carry higher risks but also offer the potential for higher returns, while others are more conservative. Understanding how much risk you’re comfortable with will guide your asset allocation decisions.
Do your research: Thorough research is essential before making any investment. Understand the company or investment you’re considering, analyze its financials, evaluate its competitive position, and consider any external factors that could impact its performance. Knowledge is power in investing.
Take a long-term perspective: Investing is generally a long-term endeavour. While short-term market fluctuations can be unsettling, focusing on the long-term trends and staying invested over time may help smooth out volatility and increase the likelihood of positive returns.
Avoid emotional decision-making: Emotional decision-making based on short-term market fluctuations can lead to poor investment choices. Try to remain objective and avoid making impulsive decisions driven by fear or greed. Stick to your investment strategy and review it periodically based on your long-term goals.
Regularly review and rebalance your portfolio: Periodically review your portfolio to ensure it remains aligned with your goals and risk tolerance. Market movements may cause your asset allocation to drift from your target, and rebalancing helps maintain the desired risk-reward profile.
Consider the impact of fees: Fees and expenses can erode your investment returns over time. Pay attention to the costs associated with the investments you choose, including management fees, expense ratios, and transaction fees. Low-cost investment options may be more favourable in the long run.
Stay informed and adapt: Keep yourself updated on market trends, economic indicators, and relevant news that could impact your investments. Flexibility and the ability to adapt your strategy as circumstances change are essential in the dynamic world of investing.
Seek professional advice if needed: Investing can be complex, and seeking advice from a qualified financial advisor can provide valuable insights and guidance tailored to your specific situation. An advisor can help you navigate the intricacies of investing and make well-informed decisions.

Remember, investing involves risk, and there are no foolproof rules or guarantees of success. It’s important to consider your personal circumstances and consult with professionals before making investment decisions. Contact Worby Wealth Management Regina so we can review your investment needs today.

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 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 Chris Worby for the benefit of Chris Worby, a Financial Advisor 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 are reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the publication date and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell securities. Mutual Funds approved exempt market products and/or exchange-traded funds are offered through Investia Financial Services Inc.

Trusted Tips & Resources

The Trusted Community Welcomes The Kinsmen Foundation -TeleMiracle As The First Trusted Regina Non Profit

The Trusted Regina team is thrilled to welcome the Kinsmen Foundation - TeleMiracle to the Trusted Regina community.