About the Book

In Three Wolves at Your Door, veteran investment professional Scott Ross pulls back the curtain on Canada’s financial services industry and reveals how everyday investors can unknowingly lose thousands of dollars each year. Through the story of Jenn, a trusting investor blindsided by hidden costs and half-truths, Ross shows how the system really works—not how it is marketed to the public. Using dramatized conversations and real-world scenarios, he unpacks the underlying mechanics of financial advice, investment products, and the psychological traps that smart, normal people fall into.

Through these engaging stories, Ross introduces the “three wolves”—banks, financial advisors, and government—and explains how their incentives often work against your financial future. Readers will discover how hidden fees quietly compound against their wealth, how conflicted advice and misleading claims persist, and how costly investment products erode long-term returns. Most importantly, this book shows you how to recognize the wolves, protect your financial future, and take back control of your money.

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