At McInroy & Associates Private Wealth Management, estate planning is about clarity, continuity, and lasting impact. Whether you’re a business owner in Bobcaygeon, a retiree in Peterborough, or raising the next generation in Haliburton or Kawartha Lakes, your legacy deserves more than a simple will. It deserves a thoughtful, forward-looking plan—one that protects your wealth, supports the people you care about, and reflects everything you’ve built.
For high-net-worth families, the most important part of estate planning is making sure your intentions are carried through with purpose and precision. That’s where we come in.
More than a will: Building a plan that adapts
A will outlines who inherits what. But an estate plan goes further—it dictates how, when, and why assets are transferred. Will your children access their inheritance at 25 or 45? Will family cottages stay in the family or get sold to pay taxes? Without structure, even the best intentions can unravel.
We help you build an estate strategy that’s responsive—so when life changes, your plan does too. Whether it’s a new grandchild, a family business transition, or a shift in tax legislation, we make sure your estate remains aligned with your values and your vision.
Estate planning for business owners
If you’ve built a business from the ground up, your estate plan must do more than name a successor—it must preserve continuity, liquidity, and family harmony. We guide business owners through succession strategies that account for taxes, shareholder agreements, and the emotional complexities that often arise when passing on the business.
With our support, estate planning for business owners becomes less about tough decisions and more about future opportunities—for your family, your business, and your legacy.
Tax-smart strategies for high-net-worth individuals
Estate planning for high-net-worth individuals often involves navigating a complex mix of RRIFs, holding companies, trusts, private shares, and charitable goals. But complexity doesn’t need to create confusion. We clarify, streamline, and structure your estate plan to reduce taxes and preserve wealth for future generations.
We use strategic tools like testamentary trusts, insurance, and corporate planning to help you minimize capital gains, avoid unnecessary probate, and ensure every dollar is directed where you want it to go. From Peterborough to Haliburton, we’ve helped generations keep their wealth working long after they’ve passed it on.
Life insurance: Liquidity when it matters most
When your estate includes valuable assets like property, cottages, or a business, life insurance can be the bridge that preserves what you’ve built. Why force a sale to cover taxes when a tax-free insurance payout can protect the estate?
At McInroy & Associates Private Wealth Management, we incorporate life insurance as a central pillar of a well-designed estate transfer. It ensures your family has the resources to pay taxes, settle the estate, and keep important assets intact.
Estate transfer that empowers
Receiving an inheritance can be as daunting as it is generous. Without guidance and guardrails, a large estate transfer can lead to poor decisions and financial missteps. That’s why we use trusts and structured distribution plans to ensure your beneficiaries are supported by your legacy.
Giving back with purpose and precision
Your estate can be a force for good. Whether you want to establish a donor-advised fund, contribute to local causes, or create a scholarship, we help you integrate charitable giving into your estate plan. These strategies can reduce taxes and amplify the positive impact of your wealth—now and for generations to come.
We align your values with smart planning, helping you give generously without sacrificing your financial security or estate integrity.
Family-focused planning
We take the time to understand your family. Our estate planning services are personalized, deeply thoughtful, and designed to minimize conflict.
As life changes—new marriages, blended families, health changes—we continue to adjust your plan so it reflects your current reality. That’s how we protect your family: with flexible, forward-thinking guidance grounded in care.
Your estate quarterback—on your side for the long run
Estate planning only works when it fits into your broader financial picture. We make sure every decision connects: your retirement plan, your insurance, your business transition, your tax strategy. Our team acts as your estate quarterback—coordinating with lawyers, accountants, and executors so your entire plan stays cohesive.
No surprises. No missed details. Just a strategy that makes sense from start to finish.
Trusted across generations
We’ve helped families in Peterborough, Kawartha Lakes, Bobcaygeon, and Haliburton build estate plans that stand the test of time. Our clients often include parents, children, even grandchildren working together across generations. That trust didn’t happen overnight—it came from decades of consistent, personal guidance and follow-through. We create plans and guide families through the twists and transitions that shape their legacy.