Edward Jones - Financial Planner: Scott Marshall

Edward Jones - Financial Planner: Scott Marshall Scott D Marshall CFP®, CIM®, FCSI®
Financial Planner
Edward Jones

09/08/2026

True financial security is never a sudden milestone. It is an accumulation of years of hidden, difficult work.

When I first started out in this industry, the runway was incredibly steep. You begin with a declining salary over your first twelve months, zero clients, and an immense amount of professional uncertainty. You are not just taking on a job. You are building an entire business from scratch.

The first five years were deeply challenging. There were no shortcuts, just a lot of long days spent grinding out momentum.

It was not until about Year 5 that the ground finally started to feel solid. That was the point where the business found true stability and the income became steady.

When you see someone who looks financially secure, remember that you are looking at the harvest, not the years they spent clearing the field. Real stability takes time, consistency, and the willingness to push through the messy, uncertain beginning phases of growth.

If you look back at your own career or business, how many years did it take before you finally felt like you could breathe and enjoy true stability?

Building a lasting wealth strategy requires patience and a structured plan. If you are ready to secure your long-term financial future, click the link in our bio to book a discovery call.

After years of sitting across from clients at very different stages of life, one pattern stands out more than any other....
09/03/2026

After years of sitting across from clients at very different stages of life, one pattern stands out more than any other.

The people who make the most deliberate financial decisions are rarely the ones with the most money. They are the ones who know exactly what they are building toward.

Retirement planning has a tendency to become a numbers conversation. Savings rate, projected returns, target date. And while those things are important, having a number goal without the picture behind it is incomplete.

So here is something worth doing before your next planning conversation. Sit down and try to answer these:

Where do you want to live, and does that change over time?

What does a typical week look like? Are you traveling, working part-time, spending time with family, pursuing something you have never had time for?

What are the fixed costs of that life, and what are the things you would do more of if money was not the constraint?

Who depends on you, and for how long?

What would you regret not doing if you waited too long?

Most people have never written answers to those questions down. But the people who have, even roughly, make faster and more confident decisions at every stage of the planning process. Clarity compounds just like capital does.

If you have not defined what retirement looks like for you yet, that is exactly where we begin.

08/31/2026

If you want to understand why your parents or your children view money so differently, you have to look at who raised them.

Older generations were directly influenced by parents who lived through the Great Depression. That background baked security, survival, and deep conservatism directly into their financial DNA.

Today's younger generation grew up in an information explosion. They have instant access to thousands of investment options, platforms, and global markets right from their phones. Having that much data naturally creates a desire to explore different financial opportunities and take higher risks.

Neither generation is wrong. They are just operating off the default settings of the world they were born into.

True wealth management means understanding these underlying motivations so you can build a family plan that actually makes sense to everyone.

Have you noticed how historical events still shape the way the oldest members of your family manage their money?

If you are ready to bring total clarity and alignment to your multi-generational wealth strategy, send us a direct message and let's talk.

08/27/2026

Travel is one of the greatest investments you can make in yourself, but it also has a funny way of delivering some of your sharpest financial reality checks.

Right after university, I went backpacking through Southeast Asia. I did not have a lot of money saved, but stretching your dollars there is relatively easy. Food is cheap, finding a place to sleep every night is highly affordable, and the daily expenses are incredibly low.

But right after that, I went to Australia and New Zealand. Suddenly, the math completely changed.

Things got significantly more expensive overnight. I spent a few months there, and because I wanted to experience absolutely everything those two beautiful countries had to offer, I watched my funds drain quickly. By the time I touched back down at home, I received a very clear, immediate lesson in the reality of cash flow: it was time to put my head down, get to work, and catch up on everything I had spent.

There is nothing wrong with spending capital on life-changing experiences, as long as you have the discipline and the drive to rebuild the gap when you get back.

What is the one trip you took when you were younger that completely drained your bank account but was worth every single dollar?

If you want to design a long-term wealth strategy that funds your biggest lifestyle goals without compromising your financial security, send us a direct message.

08/24/2026

The day you turn 16 or 17, your entire world revolves around freedom. You want a car, you want mobility, and you want the ability to get around and do whatever you want.

But for most of us, that first taste of freedom comes with a major financial reality check.

When you suddenly become responsible for paying for your own gas, insurance, routine maintenance, and unexpected repairs, you quickly learn a valuable life lesson. You realize exactly how expensive it is just to keep a vehicle on the road.

It is the moment where many young people discover that buying an asset is the easy part. Funding the ongoing liabilities that come with it is where real financial responsibility begins.

What was the very first car you owned, and what was the first expensive repair that made your jaw drop?

If you are ready to build a comprehensive wealth strategy that optimizes your cash flow and funds your family's major milestones, call our office today and let's chat.

08/20/2026

One of the most unique privileges of being a wealth advisor is getting a front-row seat to hundreds of different versions of the future.

Most people only ever think about their own retirement or look at what their immediate neighbors are doing. But in our office, we spend all day listening to an incredibly diverse range of dreams, goals, and lifestyle paths.

Some people want to sell everything and travel the world. Others want to stay exactly where they are, slow down, and spend every afternoon with their grandkids. Some want to fund ambitious passion projects, while others want to step into full-time philanthropy.

Being constantly exposed to this massive library of options has naturally shaped my own perspective. It forces you to realize that there is no single, default blueprint for a perfect life.

Seeing how creatively other people plan for their future is a constant reminder that retirement isn't a pre-packaged destination. It is a completely blank canvas that you get to design from scratch.

When you picture your ideal retirement day, does it look like a quiet, slow-paced routine, or are you filling it with travel and new projects?

Your retirement strategy should be just as unique as your vision. To start building a custom wealth plan that fits your exact goals, send us a direct message.

08/18/2026

When you start a family, setting up a dedicated college or university savings fund is usually the first thing on your checklist. It is a great step, but true family financial planning requires looking at the less obvious structural pieces.

If you want to fully protect your children, you need to look past the savings account and focus on these critical areas:

Guardianship: A will is not just about distributing large assets. Its most critical function for young parents is naming a legal guardian so there is a clear, unquestionable plan for who will look after your children if something happens to you.

Income Replacement: If your household relies on two incomes, or if one spouse stays home to manage the household full-time, you have to protect that dynamic. You need to account for what happens to your family's daily stability if a parent becomes disabled or unable to work.

Research shows that younger generations are vastly underinsured. Building wealth is important, but establishing the defensive structures to protect that wealth is what keeps your family secure.

Did you set up your will and insurance at the same time you started saving for your children's education, or did those come later?

To ensure your family has a complete, airtight financial safety net in place, click the link in our bio to book a comprehensive planning review.

One of the most consistent tensions I see between generations is how differently they view debt, and it rarely comes dow...
08/16/2026

One of the most consistent tensions I see between generations is how differently they view debt, and it rarely comes down to one side simply being right.

The fear of debt that shaped an older generation's financial habits made a great deal of sense in its context. Paying off a mortgage quickly, avoiding credit, and building within strict means were not arbitrary rules. They were practical responses to a different economic environment, and that mindset gets passed down because it worked for the people who lived it.

But younger Canadians are entering a financial landscape where those same instincts can work against them. Housing prices, education costs, and the pace at which wealth gets built have all shifted significantly. Debt used with intention, tied to a clear goal and a realistic repayment structure, operates very differently from debt accumulated without a plan. The number on the statement may look the same, but the two situations are not comparable.

The most productive conversations across generations aren't about whether debt is good or bad. They're about understanding the assumptions on both sides well enough to have an honest conversation about what's true.

The next time this comes up with family, here are a few questions worth sitting with together:

When you think about the line between a risk worth taking and one that isn't, how do you draw it?

What do you wish someone had told you earlier about money that took years to figure out on your own?

If you were starting out in today's market, what would your approach to borrowing look like?

Something I think about a lot, both in my practice and at home, is how much the intention behind financial support actua...
08/13/2026

Something I think about a lot, both in my practice and at home, is how much the intention behind financial support actually matters.

Helping your kids is one of the greatest gifts you can give them. But handing everything over without any expectations may do more harm than help.

I sit across from families regularly where parents want to do something meaningful like help with a down payment, cover tuition, or bridge a tough stretch. That generosity comes from a good place, but I've also watched what happens when support arrives with no expectation of contribution. The process of earning, managing, and having to make trade-offs with your own money is what builds financial confidence, and when that gets skipped, something important gets missed.

With my own kids, we've tried to build that in from early on. We set savings goals when they were young, finding ways to earn as they got older. Watching them figure out that effort converts is a lesson that sticks.

The families I've seen navigate this well tend to treat it as structured support. A parent who matches their child's savings dollar-for-dollar toward a first home isn't just helping them buy a house. They're reinforcing habits and values that will outlast the transaction.

Supporting your kids and raising them to be independent aren't in conflict. With the right conversations and the right structure, they reinforce each other.

If your family is starting to work through this, the Family Money Conversation Journal was built for exactly this moment. I created this practical guide to help parents start honest discussions about money with their kids before the bigger decisions get made. Get a copy of that resource here: https://scottdm.blueripplegroup.org/family-money-conversations

08/13/2026

Nobody taught me the value of money by sitting me down and explaining it. The lesson came from earning it.

Growing up, work was expected. By the time I was building my career, I had held somewhere around 25 jobs. Most of them were not glamorous, and that was never really the point.

What I did not appreciate until much later was how much I was learning before the job even started. Every interview was its own lesson in showing up prepared, presenting yourself well, and making the case for why someone should take a chance on you. That process built something a classroom never could.

And then there was the money itself. Earning it created a relationship with it that being given it simply never does. When you know exactly what something cost you in time and effort, you think differently about how you spend it. You start connecting decisions to trade-offs in a way that genuinely sticks.

Those lessons did not come from a single conversation or a piece of advice someone handed me. They accumulated over years of showing up, doing the work, and figuring things out as I went. That is the version of financial education that tends to last the longest.

What is the first job that taught you something you still carry with you today?

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