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THURSDAY, MARCH 5, 2026
International Women’s Day
#IWD2026 #GiveToGain
March 8
Collaboration over competition Expert Advice to Fund a Joyful Life
BY KRISTIN MARAND
PHOTO BY DARCY FINLEY Joy in every season. The Combined Trinity Park Wealth & dts lifeStyles team (back to front): Terran Malzahn, Janet Morrow, Debbie Styles, Ariel Doyle, along with Bernedoodle, Banks.
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HERE’S A QUIET SHIFT taking place alongside the analog rebel- lion. People are craving things that are real, tactile, and connecting. We are realizing that the only antidote to the madness and pace of modern life is joy – pure and unfiltered. This approach requires reflection and an acknowledgement of what isn’t working to deter - mine what does work and has meaning for you. These elements are
Styles and Morrow’s approach is based on an intimate understanding of you as a person. What your current situation is, what you would like it to be, and what is important to you in the here and now, while allowing for the inevitability of change. This is especially poignant for workers who aren’t spending their entire careers with one organization and may need to tap a portion of their nest egg to pause and regroup before making a career change. The “joy bubble” approach, the preferred term used in place of investment port - folio, is simple: separating funds based on an understanding of when clients need
the foundation of a new way of looking at money, too, and Debbie Styles of dts lifeStyles and Janet Morrow of Trinity Park Wealth Co. see that crystal clear.
money. Funds in the Enjoy category are invested in cashable, accessible assets that keep up with infla - tion and are intended to be accessed within one to two years. Joyful funds are meant for short-term investments of three to five years. Remaining funds are directed to the Overjoyed category, invested in businesses, and intended for longer-term savings and growth over five years or more. Because each bubble grows or contracts based on various factors that influence investments, money can be moved from bubble to bubble based on each client’s wants and needs. When a client begins funding their lifestyle from their investments, suf - ficient funds are dedicated to Enjoy and Joyful to sufficiently fund their “allowance” and enough is exposed to market growth in Overjoyed to con - tinue growing their joy reserve.
In a shared space along Wellington Crescent, Morrow and Styles combine their knowledge, resources, and decades of expertise to serve clients with diverse life goals. Yes, they deal in finances, but traditional wealth accumulation is not the end - game; it’s the means to achieving your dreams and sharing with your loved ones. Their approach isn’t to sock away all your hard-earned savings for some rainy day that may or may not come, but to help you make the most of your life while you’re able to squeeze maximum enjoyment out of it. “We’ve retired the word retirement from our practice because it suggests that you’re tired of what you’re doing,” explains Styles. “This is not a positive word; this is a fear-based word. Fear derails us. We want joy, not fear, to guide any - one’s money. We also no longer use the term net worth. We have been conditioned to believe that
“We believe language changes behaviour, and we’ve witnessed it. We have seen the most beautiful things unfold.”
– DEBBIE STYLES OF DTS LIFESTYLES
“You can be in a space of scarcity regardless of what you have, or you can be in a space of abundance, regardless of what you have. And you have to keep in mind that health is wealth, so those two have to align,” adds Morrow. “It’s changing attitudes, changing thoughts, it empowers the client. Behind all of this is an amazing system of managing money that works at any stage of life. It works for those who are drawing income from their investments, for people who are saving for a goal, and can be held in any type of account, like your TFSA or RRSP. The concept is just so resonating.” To learn more about this joyful approach to money management, visit either dtslifestyles.com or trinitypark.ca, and arrange a meeting with a joy facilitator so you can G.R.O.W.: gather, reflect, outsource your money matters, and move from worrier to warrior. ●
our worth is something you see on a piece of paper, but your money is not your worth. We call it your joy reserve. So we started advising around joy. We believe language changes behaviour, and we’ve witnessed it. We have seen the most beautiful things unfold.” Borrowing from the Spanish, the duo believe in creating a jubilation plan – the heart of the joy-centred language they use in planning. Jubilacion is the Spanish word for retirement and carries a much happier ring, wouldn’t you agree? While the language they use to discuss goals may seem a bit new-age, it’s an important shift away from the fear-based language so many institutions and generations of hard-working families have used. When you name something, you give it power. When you can talk about something in a positive light, the nature of that thing becomes inherently positive.
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