You’ve poured your life into this business—navigated risk, grown your team, and built something that matters. Now comes one of the biggest decisions you’ll ever face: What happens when you step away?
At McInroy & Associates Private Wealth Management, we help business owners across Bobcaygeon, Kawartha Lakes, Haliburton, and Peterborough turn uncertainty into clarity. Business succession isn’t just about exit strategies—it’s about protecting your life’s work, supporting your family, and stepping into the future with confidence.
Business succession planning that puts your goals first
Whether you’re passing the torch to family, selling to key employees, or attracting an external buyer, business succession planning isn’t one-size-fits-all. It requires a plan that honours your values, aligns with your financial goals, and protects your legacy.
We take the time to understand your vision and guide you through every step—from ownership structure and tax optimization to legal coordination and post-sale planning. With us, your transition won’t be rushed. It will be thoughtful, strategic, and entirely built around you.
Structure that gives you control
Too many business transitions are marked by confusion, missed opportunities, and avoidable tax bills. We change that. Our structured, personalized approach helps you take control of the process while reducing stress and protecting your bottom line.
We work closely with your legal and accounting team—or bring in trusted professionals when needed—to ensure that shareholder agreements, valuations, and ownership transfers are handled smoothly. No detail is too small when your future is at stake.
We also help you assess options like the lifetime capital gains exemption, income-splitting strategies, and dividend planning—ensuring you make decisions that protect both the business and your personal wealth.
Family transitions done right
If you’re passing your business to your children or grandchildren, we help keep the process fair, transparent, and family-first. It’s not just about who takes over—it’s about ensuring relationships are protected, roles are clearly defined, and expectations are aligned.
Multi-generational transitions often involve more than money—they involve emotions, legacy, and identity. We guide you through those conversations with care and clarity, drawing on our experience serving families across generations.
Third-party and management buyouts
Sometimes the best successor isn’t a family member—it’s a trusted employee or a motivated buyer who sees the potential in what you’ve built. In these cases, we help prepare your business for sale, highlighting strengths, improving efficiencies, and ensuring it's positioned to attract strong offers.
Our business succession planning includes strategies to:
- Enhance your business’s perceived and actual value
- Maximize your after-tax proceeds
- Structure the sale in a way that aligns with your personal financial plan
- Ensure the transition is smooth for employees, customers, and stakeholders
Whether your buyer is internal or external, we protect your interests and make sure you leave on your terms.
Tax planning: Keeping more of what you’ve earned
Your business may be your biggest asset. That’s why we pay close attention to the tax implications of every decision you make. From accessing the capital gains exemption to setting up holding companies or family trusts, we design strategies that minimize tax impact and maximize retained value.
In Peterborough and across the region, our clients count on us to protect their wealth—not only during the transition, but long after the deal is done.
The human side of succession planning
Stepping away from a business is never easy. We understand the emotional side of this decision—the uncertainty, the attachment, the desire to do right by your family, your employees, and your community.
Our approach is grounded in real relationships, open communication, and deep respect for the work you’ve done. We act as your partner, your advocate, and your sounding board—helping you move forward with confidence and clarity.