If you’re a business owner, your finances are more than just balance sheets and quarterly reports—they’re a reflection of everything you’ve built. Your business is your income, your retirement strategy, your legacy, and your livelihood, all rolled into one. That’s why working with a financial advisor for business owners is so important.
At McInroy & Associates Private Wealth Management, we specialize in helping business owners across Bobcaygeon, Kawartha Lakes, Haliburton, and Peterborough align their business and personal finances with one clear plan. Whether you’re just hitting your stride or preparing to exit, our goal is to make sure the wealth you’ve worked so hard to create works just as hard for you.
What sets our planning apart? Personalization and precision
As a financial planner for business owners, we know there’s no template for success. Every business is different—sole proprietors, family-run shops, incorporated professionals, and growing enterprises all face different challenges. We take the time to understand your structure, your cash flow, your tax obligations, and your long-term goals.
Here’s what we help with:
- Structuring your business for growth, protection, and tax efficiency
- Coordinating your business and personal financial goals into one strategy
- Minimizing tax through smart income planning and corporate structures
- Preparing for transitions—whether that’s succession, sale, or retirement
When you’re running a business, you need financial advice that adapts, supports, and plans several steps ahead. That’s exactly what we offer.
Tax-smart strategies to keep more in your hands
Our work starts by identifying tax-saving opportunities, both inside and outside your business. We help you understand how to draw income in a way that minimizes your personal tax burden while preserving cash flow in the company.
As your financial advisor for business owners, we help you:
- Decide when to take salary vs. dividends
- Split income with a spouse or adult children (where applicable)
- Use holding companies and corporate class investments
- Prepare for the Lifetime Capital Gains Exemption when selling
- Reinvest corporate earnings in line with your retirement goals
Taxes don’t have to be a drain on your success. With the right structure, they become a lever to build wealth.
Planning for growth—and life beyond business
As a financial planner for business owners, we don’t just focus on the numbers. We focus on your bigger picture. You might be growing your team, expanding your location, investing in new equipment—or preparing for a major transition like retirement or selling the business.
We help you:
- Create business expansion plans tied to personal milestones
- Build a long-term investment strategy using corporate assets
- Prepare for financial independence through structured retirement planning
- Reinvest wisely—without risking your stability
Too many entrepreneurs wait until the last minute to think about life after business. We help you plan well in advance, so you step away with security, not stress.
Business succession with clarity and confidence
Whether you’re selling, handing off to a child, or transitioning to key employees, your exit deserves as much care as your growth. We guide you through every decision—ensuring you retain value, protect your family, and exit on your own terms.
Our succession planning includes:
- Ownership transfer strategies to reduce tax
- Fair division of assets among family members
- Funding options for buy-sell agreements
- Legacy and estate coordination for long-term protection
You’ve poured your energy into building your business. Let us help you make sure that effort supports the next phase of your life.
Real relationships, practical guidance, local roots
At McInroy & Associates, we’ve supported business owners for decades. Our clients trust us to offer advice that’s proactive, clear, and tailored to every stage of business ownership.
With us, you’re not just getting a financial plan. You’re getting a partner who understands the stakes—someone who picks up the phone when it matters and helps you feel confident in every financial decision.