At McInroy & Associates Private Wealth Management, we believe cash management is the foundation of a resilient financial life. Whether you're preparing for retirement, growing a business, or navigating life transitions, how you manage your cash today shapes the flexibility and freedom you’ll have tomorrow.
Our clients across Peterborough, Bobcaygeon, Kawartha Lakes, and Haliburton rely on us for more than investment advice—they count on us to help structure their day-to-day financial flow in a way that supports both their current lifestyle and long-term ambitions. From optimizing liquidity to integrating debt and short-term investment strategies, our cash management services are designed to keep you firmly in control.
What cash management really means
Cash management is about creating a system where every dollar has a job—and every decision supports a larger purpose. We help high-net-worth individuals, retirees, and business owners gain clarity on where their money is going, how to make it work harder, and when to pivot. Whether you’re planning a home renovation, supporting adult children, or preparing for retirement, the right cash strategy keeps your goals within reach.
Our services include:
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Liquidity planning
We ensure you have access to capital when you need it, without compromising long-term growth.
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Cash flow analysis and optimization
We assess income streams, discretionary spending, taxes, and debt repayment to streamline your financial life.
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Short-term investment options
Idle cash can still grow. We recommend low-risk, accessible strategies that generate returns without sacrificing flexibility.
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Debt and cash integration
Strategic borrowing and repayment structures that keep your net worth stable and your liquidity strong.
A relationship you can rely on
At McInroy & Associates, we take the time to understand your life in detail—what makes it complex, what keeps you up at night, and what you’re working toward. That’s why so many of our clients stay with us for decades—and across generations.
We build deep relationships, often supporting not just individuals but entire families. As your needs evolve, we stay involved, updating your cash strategy to reflect every new goal, responsibility, or opportunity.