Malcolm Gilchrist - Financial Advisor Calgary

05/07/2026

Before you commit to helping your child financially with a home purchase, it's worth understanding how this decision might ripple through the rest of your financial picture.

1. Your retirement and savings: Large gifts or loans can influence your long-term savings or retirement goals. If you need to liquidate investments to provide a gift, there could be tax consequences you'll want to plan for.

2. Your credit and borrowing capacity: Co-signing affects your own credit and borrowing ability. It shows up on your credit report and could limit what you can access for your own needs or to help other children down the road.

3. Fairness across your family: If you have multiple children or a blended family, you'll also want to think through fairness considerations. How will you ensure equal treatment over time? What happens if you pass away before you're able to help all your children equally?

4. Documentation and protection: Regardless of which approach you take, clear documentation helps avoid family misunderstandings later. This is especially important if you're loaning money or if there's any possibility of a relationship breakdown in your child's future.

If you're considering helping your child buy a home, reach out. I can help you understand the full financial impact and help make sure this decision supports rather than compromises your own future.

Here’s what to consider

05/01/2026

Market ups and downs can feel unsettling, but they're a natural part of investing. When markets dip, it doesn't mean your long-term strategy is broken. It means markets are doing what they've always done: moving in cycles.

Reacting to every market swing can pull you off course. The investors who reach their goals are often the ones who stay focused on what matters most to them, not what's happening this week or this month.

If market volatility is making you second-guess your plan, let's talk. We can review your strategy together and help make sure it still aligns with where you want to go.

04/23/2026

If you’re building education savings through a Registered Education Savings Plan (RESP), the Canada Education Savings Grant (CESG) is one of the most valuable benefits.

The federal government adds 20% to your eligible contributions each year — up to $500 annually to a maximum of $7,200 per child. To receive it, you must contribute, but unused grant room can often be made up in future years.

If you want to maximize these opportunities, I can help you map out the right contribution strategy.

Reach out to book a meeting.

A tax-deferred savings account designed to help you save for qualified post-secondary education.

04/16/2026

Many people associate “financial planning” with investing, but there’s much more to it. Investing is an important tool, but real financial planning starts with understanding what matters most to you. I help clients look at their goals, the costs involved, how much they need to save, and how to protect what’s important along the way.

A strong plan brings together savings, spending, cash flow, risk management and long‑term priorities so your money supports the life you want to build.

If you’re ready to create a plan with purpose, reach out, I’m here to help.

04/09/2026

Open conversations about family finances can bring clarity and help everyone feel more confident about the future.

A structured family meeting is a great place to start. As your financial advisor and in partnership with our Client Consultation Group and Family Enterprise Advisors, I can help you prepare and guide the conversation so it’s productive and meaningful.

Reach out to book a meeting and start planning together.

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04/01/2026

With rising costs and ongoing market volatility, it’s understandable that money may feel stressful. A financial plan can provide clarity and help you feel more in control of your next steps.

My role is to work with you to build a plan that balances growth, protection and long‑term goals, so you can navigate uncertainty with greater understanding.

Reach out to book a meeting and let’s build a plan that strengthens your financial confidence.

03/26/2026

A systematic approach to tracking eligible expenses throughout the year can help ensure nothing gets overlooked when tax season arrives.

Key deductions and credits to track:

🎓 Education expenses – Tuition, certain professional certification exams, and student loan interest

👶 Family support – Childcare expenses, children's programs, and dependent care costs

💝 Charitable impact – Charitable donation receipts that deliver both tax benefits and community value

🏠 Work-related expenses – Home office costs, professional dues, and carrying charges

But here's the strategic shift:

Tax planning shouldn't be reactive, it should be proactive. I help clients structure their investment contributions throughout the year to maximize tax efficiency while staying aligned with their broader financial objectives.

When your investment strategy and tax approach work together, you're not just saving money, you're building wealth more effectively.

Let's discuss how to position your finances for tax-efficient planning in 2026 and beyond.

Edward Jones, its employees and Edward Jones advisors are not estate planners and cannot provide tax or legal advice.

03/19/2026

Did you know that sharing income between spouses can affect how much tax your household pays?

Canada's graduated tax system means two couples earning the same combined income can pay vastly different amounts of tax depending on how that income is distributed between spouses. Income splitting strategies help level out individual earnings to reduce your household tax liability and protect income-tested benefits like Old Age Security.

Spousal RRSPs allow working couples to start splitting income now while building toward more balanced retirement income later.

I help couples evaluate income splitting opportunities as part of their broader financial strategy. Reach out to discuss your household tax planning strategies.

Edward Jones, its employees and Edward Jones advisors are not estate planners and cannot provide tax or legal advice.

03/11/2026

Navigating finances after major life transitions doesn't have to feel uncertain.

Natalia's story in our Edward Jones Client Stories series shows the power of having a trusted advisor who understands your goals and is there to support you through every stage of life.

I'm here to help you create tailored plans that give you confidence through life’s curveballs, cannonballs and windfalls. Let's connect.

03/11/2026

AI may be able to crunch numbers faster than a human. But can it understand your family's story?

AI can analyze data and model scenarios in seconds. But it can't understand the emotional weight of deciding whether to prioritize your child's education or retire earlier, how family dynamics shape your goals, or what truly matters to you.

At Edward Jones, we believe the future is AI empowering advisors not replacing them. We leverage technology to free up time for real conversations about your priorities and life.

There's no "one-size-fits-all" approach. We guide you through an established process that starts with understanding what's important to you, then we partner with you to adjust as your circumstances change.

AI gives us richer analytics. Thoughtful human insight translates them into decisions that feel right for YOU.

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03/09/2026

Canadians are expected to transfer significant wealth over the next decade. Is your family ready?

Estate planning isn't just about wealth, it's about legacy, values, clarity, and protecting what matters most to your loved ones. Yet common myths continue to derail families from having crucial conversations about their estate plan.

💡 Four myths we're addressing:

• "Estate planning is only for the wealthy"
• "Splitting assets equally is enough"
• "Beneficiaries will figure it out"
• "Parents should keep wealth matters private"

At Edward Jones, we guide you through an established process that starts with understanding what's important to you. Then we work together – along with your legal and tax professionals - to build personalized strategies that reflect your family's unique circumstances, because there's no "one-size-fits-all" approach to legacy planning.

Let's have the conversation your family deserves. Read our latest insights in the Globe and Mail on multigenerational wealth transfer and discover how thoughtful planning today creates clarity and continuity for tomorrow.

Edward Jones, its employees and Edward Jones advisors are not estate planners and cannot provide tax or legal advice.

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