YourStyle Financial


Plan Ahead with Power of Attorney

Plan Ahead –  Secure Your Future Today

June 07, 2024

When it comes to planning for the future, it’s never too early to start. At YourStyle Financial, we believe in the power of proactive planning to ensure that you and your loved ones are prepared for any eventuality. One crucial aspect of this planning is understanding and arranging a Power of Attorney (POA).

Why Plan Now?

Life is unpredictable. Whether it’s an unexpected illness, accident, or simply the progression of age, having the right documents in place can make all the difference. Waiting until things go wrong can lead to unnecessary stress and complications, especially when it comes to managing finances and healthcare decisions.

Understanding Power of Attorney

A Power of Attorney is a legal document that grants someone you trust the authority to make decisions on your behalf if you become unable to do so. This can cover financial decisions, healthcare choices, or both. Educating yourself about how POA works and what it entails is a critical step in safeguarding your future.

The Importance of a Power of Attorney

A Power of Attorney ensures that your wishes are followed and that the person making decisions for you is someone you trust implicitly. Without a POA, your family might have to go through lengthy and costly court proceedings to gain the authority to act on your behalf. This can lead to delays in important medical or financial decisions and add unnecessary emotional strain during already challenging times.

What You Need to Do

  1. Educate Yourself: Understanding the different types of POA and their implications is the first step. A financial POA allows your designated person to manage your financial affairs, while a healthcare POA covers medical decisions. In some cases, a comprehensive POA that includes both might be the best choice.
  2. Choose Wisely: Select someone you trust to act in your best interest. This could be a family member, a close friend, or a trusted advisor. Ensure they understand your values and wishes clearly.
  3. Get Legal Advice: Consult with a legal professional to ensure that your POA documents are correctly drafted and legally binding. This helps avoid potential disputes or misunderstandings later.
  4. Review Regularly: Life circumstances change, so it’s essential to review and, if necessary, update your POA documents regularly. Ensure they still reflect your current wishes and that your chosen representative is still willing and able to act on your behalf.

YourStyle Financial is Here to Help

At YourStyle Financial, we understand that planning for the future can seem daunting, but it doesn’t have to be. Our team of experienced financial planners in Winnipeg is here to guide you through every step of the process. We can help you understand your options, draft necessary documents, connect you to the appropriate resources for other documents, and assist in ensuring that all your affairs are in order.

Don’t wait until it’s too late. Take control of your future today by securing the proper documentation and understanding your options. Contact YourStyle Financial to schedule a consultation and start planning for a secure and worry-free future.

By planning ahead, you can ensure peace of mind for yourself and your loved ones, knowing that your wishes will be respected and your affairs managed according to your preferences. Let’s work together to make sure your future is as secure as possible.

Contact YourStyle Financial Today!


Life can change overnight. 2 families share what people should know about power of attorney

CBC: Power of Attorney in Canada

Financial Planning

Strengthening Family Bonds Through Financial Planning: How YourStyle Financial Facilitates Meaningful Conversations

June 04, 2024

At YourStyle Financial, we believe in the power of whole-life management. Based in Winnipeg, our mission is to prioritize “What’s Important To You”. Here’s how we bring family-focused financial planning to life.

The Importance of Family Meetings

Financial planning is more than just numbers; it’s about family dynamics, communication, and legacy. Family meetings can help navigate these complex relationships, ensuring everyone’s voice is heard and respected.


Proud Sponsors of the Manitoba Firefighters Curling Championship!

February 06, 2024

At Yourstyle Financial, we believe that great sponsors make great teams, and we’re thrilled to have been part of the electrifying Manitoba Firefighters Curling Championship this year! 🥌🔥Our firefighters showed incredible skill, sportsmanship, and teamwork on the ice, embodying the spirit of community and dedication we value so much.

A huge shout-out to all the teams that competed and made this event a spectacular showcase of talent and passion. Your hard work and determination inspire us every day.

Thank you to everyone who joined us in supporting this fantastic event. Together, we’re not just fostering sports; we’re building stronger, more resilient communities. Here’s to more success and camaraderie on and off the ice!

👏 #YourstyleFinancial #ProudSponsor #FirefightersCurling #CommunityStrong #TeamworkMakesTheDreamWork

A Decade of Dedication: YourStyle Financial Celebrates 10 Years of Sponsorship with Pro Sports and Faith

November 08, 2023

A decade of unwavering commitment, a celebration of faith, and the exhilaration of pro sports—YourStyle Financial is thrilled to commemorate 10 years of partnership with Pro Sports and Faith Night. As a beacon of support for this extraordinary event, YourStyle Financial has played an integral role in fostering the intersection of athleticism and spirituality. Join us in reflecting on this remarkable journey and the values that continue to inspire us.

A Decade of Sponsorship:
Ten years ago, YourStyle Financial took a bold step in aligning with Pro Sports and Faith Night, recognizing the profound impact of blending sportsmanship with the guiding principles of faith. Since then, our partnership has flourished, contributing to the growth and success of an event that resonates with individuals seeking inspiration on and off the field.

The Essence of Pro Sports and Faith Night:
Pro Sports and Faith Night is more than a convergence of athletic prowess and spiritual devotion; it’s a testament to the power of unity, resilience, and community. Year after year, this event has brought people together, creating memorable experiences that transcend the boundaries of sports arenas and churches.

Details of the Celebration:
This year’s Pro Sports and Faith Night promised to be a milestone event, with an array of activities and festivities for attendees of all ages. From engaging talks by inspirational speakers to thrilling sports competitions, the night was set to be a culmination of a decade’s worth of dedication.

A Quote from Our Sponsorship:
“As we mark a decade of sponsorship with Pro Sports and Faith Night, we reflect on the values that have guided our journey. It’s more than an event; it’s a shared commitment to excellence, community, and the enduring power of faith. We are proud to stand alongside Pro Sports and Faith Night in fostering an environment where athletes and believers alike can find inspiration, strength, and camaraderie.”

– Doug and Loreen Buss

Exciting News for First Home Savers: Enjoy a Special Rate with Equitable Life®!

June 05, 2023

We have some fantastic news for our clients who are diligently saving for their first home! For a limited time, we are offering a special rate of 5.00% on deposits made to a Guaranteed Interest Account (GIA) with Equitable Life®, for those intending to set up a First Home Savings Account (FHSA). This is an excellent opportunity to maximize your savings and get one step closer to achieving your dream of homeownership.

We understand the importance of starting your savings journey early, especially when it comes to purchasing your first home. This special promotion allows you to earn an excellent rate while saving for your dream home.

It’s essential to note that this special savings rate promotion is available until the launch date of Equitable Life’s FHSA unless we decide to end the promotion earlier. The maximum amount eligible for the special savings rate is $8,000. To ensure you receive the promotional rate, please remember to talk to us before December 28, 2023.

Start your journey towards homeownership today and take advantage of this incredible opportunity. Contact our team today to learn how to take advantage of this special rate. Saving for your first home has never been more rewarding!

Retire stress free

Stress-Free Retirement

March 28, 2023

You’re heading towards the next stage of life where you’re worrying less about your career and more about your future. You’ve been a diligent saver, regularly contributing to your RRSP and amassed a sizable nest egg for retirement. Now it’s time to turn on the tap and start to draw down your savings in a way that results in the least amount of taxation?

That’s where a RRIF (Registered Retirement Income Fund) comes in handy. A RRIF’s purpose is to draw down your savings in a tax efficient manner instead of accumulating them.

Reimagine Aging

Reimagine Aging

December 21, 2022

Aging – Is it the worst of times or the best of times?

How many times have you heard “Do it while you’re younger”, “Enjoy it while you can” or “Don’t get old”? Advertising and social media practically shoves youth and vitality down the throats of all viewers. While aging definitely offers its own challenges but maybe it’s time to flip the story and look at it a little differently.

This is why the Centre on Aging is hosting a free six-week program to help individuals re-imagine their own aging. This program offers the opportunity to discuss the perceived negatives of aging, how they affect you and those in your circles and give ideas on how to challenge them.

When: Tuesdays

Time: 3:00pm

Start Date: January 24th, 2023

End Date: February 28th, 2023

To register for the program, sign up using the online form: or call Dallas

Murphy at 204-474-8731. For more information, email:

Turn back the proverbial clock and celebrate your experiences!

Award Winning Financial Planner

Doug Buss in The Free Press Offering Award-Winning Advice

November 07, 2022

The team at YourStyle Financial is excited to see Doug in the news again. This time the Free Press has highlighted Doug’s extensive career serving clients in Winnipeg.

As Joel Schlesinger states “Then it might come as a surprise that the veteran has only recently received the Distinguished New Advisor of the Year Award, for 2022.”. Anyone who’s even spoken with Doug knows this award acknowledges everything he stands for.

“So while Buss may be an experienced certified financial planner, his most recent accomplishment and the accompanying award speak to the fact he never stops learning.”

Continuous growth and advancement are a point of pride for Doug and the YourStyle team.

Here is the link to the full article and we would love for you to read it. :

If you’d like to experience Doug’s knowledge and experience to determine “What’s Important to You?”, we would love to help you with all of your financial planning needs. Contact us today.

Distinguished New Advisor Award

Doug Buss Named 2022 Distinguished New Advisor

October 21, 2022

We are thrilled to share that our very own Doug Buss has been named 2022 Distinguished New Advisor of the Year by the Knowledge Bureau.

“The Distinguished New Advisor award recognizes the next generation of new advisors and their contributions to excellence in their industry sectors, a release said. Recipients must have demonstrated achievement in managing family wealth, referability, leadership and innovation, among other areas.” – Investment Executive

If you are a YourStyle client, then you are familiar with Doug’s practice of asking a lot of questions to learn “What’s Important to You?”. He focuses on all aspects of your life, not just the straight-forward finances and as a result creates Real Wealth Management Plans that fit your needs.

We are so proud of Doug’s award and are happy for the recognition he has earned.

If you’re looking for help with your financial future, contact Doug today.

Read the full article here.

There are 3 Beneficiaries to Your Estate

February 04, 2022

If you have a will, you have a choice on what you would like to happen with your money once you are gone. We often think of the beneficiaries of our estate as loved ones. But a beneficiary can be any person or entity you choose to leave money or assets to. The top three are:

  1. Family
  2. Charities
  3. CRA

Who do you care most about??

Life Insurance

Nobody needs Life Insurance, they need CA$H

January 13, 2022

For many, the last two years have made a lot of people more attentive to two things; money and mortality – both of which are the pinnacle of adulting. They’re also both the two things no one likes to think about. For most, there’s not enough of either money or time. But when the time comes, will there be enough money?

If you’re evaluating your accounts and expenditures and deciding where you can cut costs, are you wondering if your life insurance policy is worth the monthly premiums? Is it a necessary expense? Is it something you need and why? Let’s explore those questions.


Happy Holidays

December 22, 2021

As we quickly approach the holiday season, instead of wrapping presents we’re wrapping our heads around the latest changes. That pretty much sums up the last two years. However now is the time to remember to celebrate all the good things that have happened as well.

At Yourstyle Financial, we have been grateful to continue to help our existing and new clients – even if it’s virtual. We’ve had the opportunities to work with organizations like Businesses & Organizations Supporting Seniors (B.O.S.S) and Pros Know Expos. Just recently we were excited to host webinars for the Real Estate Agents explaining the latest changes allowing them to incorporate.

Now we are going to take some time to celebrate with our family and friends and will be closed from December 24th to January 3rd. We want to wish all our clients a very happy holiday season and a fresh start to a new year.

Happy Holidays!

Education Workshops for Real Estate Agents

Real Estate Agents Can Incorporate Starting Next Year

November 22, 2021

For the first time in history, Realtors will be allowed to establish Personal Real Estate Corporations (PREC). This is a wonderful opportunity that will permit you to manage your business.

Benefits of Incorporation

  • Lower tax rate on first $500,000 of PREC net income = 9%
  • Limited Liability Protection
  • Tax efficient Planning – income splitting opportunities
  • Health Spending Account – 100% write off your medical/dental expenses against your commissions
  • Insurance & Investment Opportunities – tax free retirement income
  • Personal Pension Plan Contributions vs Canada Pension Plan (CPP) – Tax Efficient

Register for our Education Workshop

To learn more, we are hosting two live 1 hour education workshops specifically designed for Real Estate Agents.

Session 1

When: November 23, 2021

Time: 11:00 AM

Where: Zoom

Session 2

When: November 24, 2021

Time: 300 PM

Where: Zoom

Register Now

Please contact Maria to confirm your spot or call 204-474-2929.

Group Benefits Planning

When Should Your Business Add Group Benefits?

October 14, 2021

Today’s environment has changed the employment market significantly. While Manitoba has one of the highest unemployment rates of recent history, it is still the employees market. Government subsidies have made it easier for some to opt to stay home leaving many open positions and therefore choices for those who are continuing to work. With that it falls back on the employer to be competitive and offer incentives to work at their company and stay working there. One of those offerings are Group Benefit Plans. If you’re a business owner, you’ve probably wondered “is now the right time to add group benefits?”. Here are a few points to help guide your decision:

Long Term Care Options

Pandemic Creates Concern About Future Care

August 31, 2021

Aging is a fear most of us have. When we think about it, we like to think we’ll be taken care of and more importantly won’t be alone. Being alone became very common during the pandemic.  During this very isolating time, we had more time than ever to not only ponder our future, but watch the news to see what’s happening with others. This included seeing how the older population were being looked after and the results are in. We are not terrified of ending up in a long-term care (LTC) facility.

According to a survey by Angus Reid, the pandemic changed the way people view LTC homes and left 44% of people dreading the thought of ever being in one – even for one day. With 45% of Canadians showcasing their belief the industry requires massive change or a complete overhaul, it’s a day of reckoning for the Long-Term Care Industry. In another study, 70% of respondents said the country should invest more in healthcare, 39% supported an increase in staffing levels and 38% indicating a pay raise may make employment more attractive to qualified caregivers.


Watch Your Wellness & Win!

July 26, 2021

Ready to kick start your wellness journey, or take it to the next level? Take advantage of LifeWorks for free. Get personalized resources for improving your physical and mental health, access to assessments, coaches and more!

Giveaway time!

Need a little more motivation to watch your wellness? We’re giving two lucky winners an Apple Watch through our Watch Your Wellness & Win Giveaway! Plus, we’ll do bonus draws for a LifeWorks Swell water bottle or Yeti coffee mug!

Winners will be contacted July 29 and August 26. Good luck!


Your Roadmap to Retirement Online Events

March 02, 2021

The conversation of estate planning might be one of the most difficult
conversations you will ever have with your family and loved ones. However, with an estimated 90% of wealth transfers failing in Canada, we believe it is a conversation worth having.

Please join Mike Kat, Director of Wealth Distribution at Sun Life Global
Investments for an in-depth conversation surrounding the complexities and challenges Canadians are facing when transitioning their wealth to their loved ones. Specifically, Mike will discuss some of the financial as well as emotional costs of settling an estate and how these can be minimized through proper estate planning.


March 9th, 2021 at 2:30 PM CST
March 11th, 2021 at 7:00 PM CST

Simplifying an estate doesn’t have to be complicated. For more details or to ask questions, contact us.

Grow Money for Nothing?

December 10, 2020

Our spending habits have changed this year. Some have taken advantage of special offers or spent the money they had saved for holidays on toys to use around home. Some have been holding on to all their money waiting to see how everything plays out.

Are you looking on how to grow your money? Now is the time to save and invest. Manulife currently has a special offer you’ll want to take advantage of sooner than later as the earlier you contribute, the more you’ll earn!

Clients with Tax-Free Advantage Account (TFSA) or Registered Advantage Account (RRSP) will earn 2.00% until April 30, 2021 on new deposits made between December 1, 2020 and March 12, 2021. Whether you’re trying to save for short or long-term goals, your money remains fully accessible, for better flexibility in a time of uncertainty. 

If you’re ready to take advantage of this great opportunity to earn “free” money, contact us.

Looking for Gift Ideas for the Person Who Has Everything?

December 03, 2020

The holiday season is a time we normally spend time searching for the perfect gift for our loved ones. This year may make the gifts a more important part of the season as spending time may be limited due to the pandemic.

If your family members are elderly or have cognitive impairment, the restrictions may cause even more stress than usual during this time. One way to alleviate some of that concern is with the MyDignity Homecare Assistance Program, the perfect gift for peace of mind.

Learn more about this program and how it can help.

Why Homecare Assistance Plan?

November 10, 2020

In the event of a loss of independence and/or cognitive impairment one will have the means to select the appropriate level of care and avoid placing physical and financial hardship on the family. Above all it preserves your dignity. It allows you to remain in your own home rather than being placed in a facility, while maintaining everybody’s standard of living and protecting the family’s financial security.

There are 2 ways one qualifies for benefits:

1) A monthly income or service becomes payable when the insured needs the help of another to accomplish at least two of the following activities of daily living (loss of independence):
(Transferring, Bathing, Dressing, Toileting, Continence and Eating)

Generally, one loses their broader mobility skills first, which affects transferring and bathing simultaneously, followed closely by the loss of finer motor skills which in turn affects one’s ability to
dress and feed themselves. The loss of self-toileting skills can be either a function of loss of mobility and balance or a consequence of the normal aging process.

2) A monthly income or service is also payable if the insured becomes Cognitively Impaired i.e. has a loss of ability to reason, perceive, think, reflect or remember.

People prefer to be cared for in their own home rather than being relegated to a facility. The cost for homecare varies largely according to location and the type of care required. Today the cost for care can range from $400-$500 a week for minimal care such as assistance with bathing, light housekeeping, meal preparation and laundry to $1,200-$1,500 per week which might include skilled nursing care, specialized medication administration and wound management. The cost in the future is anticipated to increase in proportion to the demand. This brings us to a very sobering fact: The coming demographic with the avalanche of boomers will be unprecedented and will affect all levels of health care, both acute and long term.

Each one of us bears a responsibility to act as our own advocate and plan for our own care when the time comes. Many mistakenly believe the government will take care of their needs when the time comes.
They could not be more wrong. Any government assistance covers only the most basic care in what are sometimes far less than desirable settings.

Why MyDignity Inc.?

Even though long term care insurance is the logical solution, this solution comes with its own set of issues. The conventional long term care products in the market place not only require full underwriting, they are difficult to obtain as over 50% of applicants are declined, and they are unfortunately much more costly and out of the reach for most Canadians.

MyDignity Inc. is pleased to provide a proprietary simplified issue (CARP endorsed) homecare assistance plan, underwritten through established Canadian insurers, that is easy to obtain and affordable. Underwriting consists of a short health declaration allowing for a 95% approval rate.

For more information on a specific issue or assistance related to the aging process and our homecare assistance plan, please refer to our website.

Watch the MyDignity (Your Care Your Way) Video to learn more:

Ask Me How You Can Earn 2.15% Interest

September 18, 2020

Sometimes a little can do a lot to help keep a financial plan on track. Like having a bank account that does double duty – as a personal savings account and a versatile chequing account at the same time. The Manulife Bank Advantage Account does just that, and we’re really pleased to be able to ffer an introductory 4-month 2.15% interest rate offer* for our clients who open an Advantage Account by October 31, 2020.

  • You keep earning daily interest after the introductory offer ends (currently 0.15%) You can bank for free* when you keep just $1,000 in the account
  • Pay no monthly account fee
  • Make unlimited free transfers to and from your accounts at other Canadian banks
  • Get easy access to cash at thousands of bank machines across Canada
  • Bank anywhere, anytime, using online banking and their top-rated mobile banking app

If you’re ready to open an Advantage Account now, don’t hesitate. You can apply online in less than five minutes, using our personal link:

We’re also available to discuss how we can use and Advantage Account to help make your money work harder and reach some of your financial goals faster. Contact us!

*The 2.15% promotional rate is for a new personal, non-registered, Canadian-dollar Advantage Account. The promotional interest rate is made up of regular posted annual variable interest rate of 0.15% and the variable annual promotional rate of 2.00%. Interest is calculated daily and paid monthly on net new deposits for the first 120 days (4 months) after account opening to a maximum of $250,000. Any change to the regular interest rate will result in a corresponding change to the promotional interest rate. The offer is limited to one account per client and cannot b combined with other offers. The offer and rates are as of September 17, 2020 and subject to change without notice. See full terms and conditions and visit for current rates.

**Interest is calculated daily on the total daily balance and paid monthly. Rate is subject to change without notice.

***Everyday banking fees for ABM cash withdrawals, direct payments (debit), e-transfers and bill payments are waived when the account balance is $1,000 or more. All other everyday withdrawal and deposit transactions are free at any balance. Visit for additional details.

Looking to Save on Life Insurance?

September 10, 2020

With all that is going on in the world right now, it makes you stop and think about the future and what would happen if something happened to you. Or your loved ones. This type of thinking should lead you towards thinking about life insurance. Scary thought, but a realistic and responsible one.

Would You Like Four Free Months if Premiums?

Now it’s easier than ever for you toget the longer duration term insurance you need. From Sept. 1 until Dec. 1, 2020, Canada Life ™ is making a special introductory offer of four free months premium*on qualifying, new Canada LifeTMterm 20, term 30 and term to age 65 policies. This includes additional benefits (riders). For a new policy to qualify, the application for the policy must be received between Sept. 1 and Dec. 1 inclusive. This offer extends to reissues, if the original policy qualified.

Do you want to know more? Contact us today to take advantage of this great offer.

Win with the Manulife All-In Banking Package

June 10, 2020

Daily banking just got a whole lot better.

The new Manulife All-In Banking Package is designed to maximize your money. It’s a new, innovative mobile-based banking bundle that’s unlike any other banking experience in Canada.

Sign-up with one easy online application and five minutes of your time – and you’ll get an everyday banking and high-interest savings account along with a ManulifeMONEY+™ Visa Platinum card1 and travel disruption insurance.2

Click the link below:

What makes this product special?

As an All-In Banking customer, you’ll be able to:

  • Get unlimited daily banking – including debit transactions, e-Transfers, and withdrawals.
  • Earn high interest on every dollar you save.
  • Have your $10 monthly fee waived when you save $100 or more each month.3
  • Maximize the interest you earn with Savings Sweep – which automatically moves excess money from your everyday banking into your savings account each night.
  • Get insights on your spending habits and learn about personal finance from MAI, your new AI-powered financial assistant.

Plus… for a limited time, new customers will get a one-year Amazon Prime membership and up to five-months of Amazon Audible4 just by making ten or more purchases in each of the first full two months following their Manulife All-In Banking Package opening date.5

Contact me today to get started and you’ll receive our special discounted banking fee of just $8 per month. And by saving $100 each month, you’ll get free banking!

1 Subject to credit card approval.

2 Underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, a wholly owned subsidiary of Manulife. Manulife, P.O. Box 670, Stn Waterloo, Waterloo, Ontario, N2J 4B8.

3 At the end of every month, if the balance in your High Interest Savings Account is $100 higher than the balance on the last day of the previous month, we’ll waive the monthly fee.

4 If you’re not already an Amazon Prime member and you haven’t used an Audible free trial before, you’ll be eligible to receive 5 months of Audible as part of this offer. Amazon Prime now comes with a 3-month Audible free trial. If you’ve used an Audible free trial before, you’ll be eligible to receive 2 months of Audible as part of this offer.

5 You must redeem your Amazon Prime Membership Code and agree to the Amazon Prime Terms and Conditions to qualify for Amazon Prime membership. The membership codes are good for one-time use only and must be redeemed within 2 years of receipt. Your Amazon Prime membership automatically renews for the membership fee in effect at the time of renewal plus applicable taxes. You may cancel at any time by visiting Your Account and adjusting your membership settings. Valid credit card required at time of registration if Amazon does not have one on file. Amazon Prime Membership Codes cannot be transferred or resold. For more information about Amazon Prime, visit Amazon Prime has a CAD $79/year value. is not a sponsor of this promotion. All Amazon ®, TM & © are IP of, Inc. or its affiliates.

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