Edward Jones - Financial Planner: Scott Marshall

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

09/21/2026

Managing wealth across different generations means understanding that everyone has a completely different relationship with money.

If you look at the major friction points between older and younger family members, it usually boils down to three distinct areas:

Strategic Debt: Older generations are traditionally debt-averse. Younger generations view debt as a necessary tool to leverage high priced housing markets or education.

Lifestyle Allocation: Older generations focused heavily on traditional saving. Younger generations prioritize current cash flow for travel, dining, and immediate lived experiences.

Risk Profiles: Older portfolios lean toward conservative, stable growth. Younger investors are far more drawn to high-risk, volatile options like crypto or penny stocks.

A great family wealth plan does not try to force everyone into the exact same mold. It recognizes these differences so you can build a portfolio that honors everyone's comfort level.

Which of these three areas causes the most conversation or disagreement within your own family?

To see how we help families bridge the generational gap and build cohesive wealth strategies, click the link in our bio to book a comprehensive review.

09/17/2026

Taking on your first major liability is an unforgettable milestone. For most of us, it completely changes how we look at our monthly numbers overnight.

For my family, that moment arrived when we purchased our first townhouse in Etobicoke. I was already working as an advisor at the time, but signing papers for a mortgage of that size felt incredibly heavy. It felt like an immense amount of debt, and it felt genuinely expensive.

But a funny thing happens when you step out of your comfort zone and take on a strategic liability:

Acclimatization: Over time, the numbers start to normalize. What felt overwhelming in year one simply becomes a standard, manageable part of your monthly cash flow by year three.

Professional Drive: That extra pressure can actually be a massive catalyst for growth. Knowing you have a serious financial obligation can push you to work a little harder, think more strategically, and accelerate your career.

Debt is a powerful tool. When managed correctly, it does not just help you secure an asset like a home. It can also unlock a level of professional drive you did not even know you had.

Do you remember the exact moment or purchase where you signed for your first major loan and realized you were playing a much bigger financial game?

If you are ready to strategically manage your liabilities and optimize your wealth for long-term growth, send us a direct message and let's talk.

09/15/2026

Teaching your kids the value of money is completely different from teaching them how to count it. The most impactful lessons never come from a textbook. They come from real-life experience.

You can break this financial training down into two distinct phases as your kids grow up:

Ages 5 to 7 (The Trade-Off Lesson): Use a basic allowance to introduce the concept of delayed gratification. When they want a specific toy, let them save for it. Along the way, they naturally learn the reality of trade-offs: do I spend my money today on a cheap treat, or do I hold out for the bigger goal?

Ages 7 and Up (The Earning Lesson): Shift the focus from saving to earning. Give them a chance to try a little entrepreneurship. My own kids set up a small driveway snack shop, waving down cars to sell drinks. When they hosted their hockey team and turned it into a team fundraiser, they saw the money really start to flow, even landing a fifty-dollar bill from an amazed customer.

By putting your kids in a position to sell, learn, and pivot, you let them discover a major truth on their own: when you adapt your approach, you achieve your goals faster.

What is the first real-world business or money lesson you remember experiencing as a kid?

If you are ready to build a comprehensive financial roadmap that protects and prepares the next generation, click the link in our bio to book a strategy session.

09/10/2026

Breaking into the financial advisory world is not for the faint of heart.

If you are looking for a quick, easy career path, this isn't it. The runway is incredibly steep, and building those foundational client relationships from absolute zero is one of the hardest things you will ever do.

But if you are willing to survive the climb, it is easily one of the most rewarding careers on the planet.

The secret to breaking through those difficult early years isn't trying to grind it out entirely on your own. It comes down to two major accelerators:

Mentorship: Learning from professionals who have already navigated the pitfalls and survived the exact path you are currently walking.

Partnership: Aligning yourself with a team and structure that lets you leverage collective experience to build momentum faster.

It is a demanding journey, but the opportunity to build a meaningful, high-impact business that genuinely shapes people's futures is entirely worth the effort.

If you could go back to the absolute beginning of your professional career, what is the single piece of advice you would give your younger self?

We believe in the power of strong partnerships to drive long-term success. To learn more about our team’s approach to wealth strategy, click the link in our bio.

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.

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185 The West Mall Suite 1003
Central Etobicoke, ON
M9C5L5

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Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 7:30pm
Friday 8am - 5pm

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