At McInroy & Associates Private Wealth Management, we believe family financial planning isn’t just about growing wealth—it’s about protecting what matters most, across generations. It’s about making decisions that reflect your values, your goals, and your relationships—so your family’s financial life feels cohesive.
We work with families across Bobcaygeon, Kawartha Lakes, Haliburton, and Peterborough who want to ensure their wealth continues to support the people and causes they care about. Whether you’re raising young children, preparing to retire, or helping your adult children navigate their own financial world, we help you build a plan that adapts as your family evolves.
Planning that brings generations together
Every family is different—but one thing remains true across all of them: good planning starts with good conversations. We take the time to understand your family’s dynamics, values, and communication style. Then, we create a respectful, relaxed environment where everyone feels heard.
Once the conversations start, real clarity can emerge. We help you identify your goals—what you want to pass on, how you want to structure that wealth, and how to prepare your children and grandchildren to manage it responsibly.
Our role is part financial planner, part facilitator. We help bring generations together around a shared purpose, and create the foundation for confident decisions that last.
A full-picture strategy that grows with your family
We start by building a financial plan that reflects where you are now and where you want to go. This includes:
- Clear investment strategies tied to family goals
- Tax planning that minimizes erosion and supports intergenerational wealth transfer
- Cash flow planning to balance lifestyle, savings, and support for loved ones
- Estate and legacy planning to protect your intentions
But a strong plan isn’t static. We review it regularly to adjust for life changes—whether that’s welcoming a new grandchild, navigating a health event, selling a property, or adjusting support for adult children.
Helping families prepare for sudden wealth transitions
One of the biggest risks in family financial planning is not preparing the next generation for what’s coming. Inheritances and sudden-wealth events can be destabilizing without education, structure, and support.
At McInroy & Associates, we help your family prepare—not just legally and financially, but emotionally. That may include:
- Coaching adult children through budgeting, investing, and tax basics
- Reviewing the estate plan together to reduce future confusion or conflict
- Structuring inheritances in ways that provide support without removing purpose or incentive
- Using tools like trusts or staged disbursements to maintain flexibility while providing guidance
Our goal is to reduce the stress, avoid the surprises, and prepare the next generation for long-term stewardship.
Personalized strategies for complex family lives
Family life is never one-size-fits-all. You may be supporting children while helping aging parents. You may have blended families, multiple properties, or family-owned businesses. That’s where our experience matters most.
We help families manage:
- Multi-generational wealth structures
- Real estate and property transitions
- Tax-efficient gifting strategies
- Education funding with RESP planning
- Business succession alongside personal retirement goals
Whatever your family structure looks like, we bring the tools and perspective to make the plan fit you—not the other way around.
Trusted guidance that spans generations
We’ve served families in the Kawartha Lakes region for decades, often across three or even four generations. That kind of continuity matters. It means your children won’t have to start from scratch. It means your family’s financial values will remain understood and supported long after you’re gone.
Our clients trust us to stay involved, provide clarity in complex moments, and ensure that every piece—investments, taxes, retirement, insurance, estate—works in harmony.
Why family financial planning matters now more than ever
The financial world has grown more complex. So have families. That’s why integrated, intentional planning is essential—not just to preserve wealth, but to support well-being across generations.
With McInroy & Associates, you’ll never feel like you’re managing it all alone. We guide you with care, communicate clearly, and help your family make smart decisions that reflect what you’ve built—and who you are.
