At McInroy & Associates Private Wealth Management, we believe generosity is most powerful when it’s intentional, thoughtful, and fully integrated into your financial plan.
Whether you’re funding scholarships, donating land, supporting local initiatives, or setting up long-term family giving structures, we’re here to help your values live on through smart, strategic planning. Your generosity deserves more than a donation—it deserves a plan that makes it last.
Whether it’s a donor-advised fund, the donation of appreciated securities, or naming a charity in your will, we ensure each gift is aligned with your tax planning, retirement strategy, and estate goals. This is about more than giving back—it’s about planning forward.
Donor-advised funds: Flexible giving with long-term impact
Donor-advised funds (DAFs) offer a simple, streamlined way to give now and into the future. You receive immediate tax benefits while maintaining the ability to recommend grants over time—creating a structured, family-friendly way to involve the next generation in philanthropy.
We help you set up and manage your DAF, ensuring it fits within your overall financial strategy while keeping administrative work to a minimum. It’s a powerful tool for families who want to give back without the complexity of managing a private foundation.
Appreciated securities: Smart gifts that reduce tax
Donating publicly traded securities is one of the most tax-efficient ways to give. When you gift shares directly, you avoid capital gains tax and receive a charitable tax receipt for the full market value. It’s a win-win—more money for the charity, more tax savings for you.
At McInroy & Associates, we handle the logistics and make sure these contributions are aligned with your broader investment and estate plans, creating a seamless transition from intention to impact.
Life insurance: A legacy that lives beyond you
Want to make a large charitable impact without affecting your current lifestyle? Life insurance can play a powerful role. By naming a charity as a beneficiary, you create a substantial future gift, and your premium payments may be eligible for tax credits today.
We integrate insurance into your charitable strategy thoughtfully—ensuring your generosity supports your chosen cause while optimizing tax efficiency for your estate or surviving spouse.
Tax efficiency through every act of giving
Taxes can quietly erode even the most generous intentions. That’s why every charitable strategy we design includes a deep focus on tax efficiency. Whether we’re timing your gifts to align with major liquidity events, leveraging credits, or integrating philanthropy into your decumulation strategy, we ensure that your giving supports both your heart and your financial health.
We’re known for strategies that work in real life, protecting your wealth while multiplying your impact.
Planning beats spontaneity every time
One-time gifts can help—but strategic giving builds real change. Whether you're supporting a local library in Bobcaygeon, an environmental initiative in Haliburton, an educational fund in Peterborough or a community health program in Kawartha Lakes, we help you structure your giving to have long-lasting impact.
We build charitable giving into your financial plan so it supports your goals. A structured plan allows you to adapt, measure results, and ensure that your generosity stands the test of time.
You focus on the ‘why,’ we’ll handle the ‘how’
Philanthropy is deeply personal—but the execution doesn’t need to be complex. We coordinate with your accountants, lawyers, and other advisors to ensure every charitable strategy is implemented smoothly, without burdening you with administrative hurdles.