Running a farm is more than a livelihood—it’s a legacy. Passed down through generations, it’s the result of tireless work, calculated risk, and a deep commitment to the land. At McInroy & Associates Private Wealth Management, we understand the weight of that responsibility, and we help you protect what you’ve built with clear, thoughtful financial strategies tailored to farming life.

We serve agricultural families across Bobcaygeon, Kawartha Lakes, Haliburton, and Peterborough who want to preserve their land, manage uncertainty, and plan for a transition that keeps their farm in trusted hands. Our role is to make complex financial decisions feel manageable—so you can focus on what matters most.

Planning with farming in mind

Agriculture comes with a different rhythm than other businesses. Income varies by season. Expenses are often front-loaded. Markets fluctuate. Weather is unpredictable. And government regulations are always shifting. You need a plan built with that reality in mind.

We design strategies that reflect the nature of your work, including:

  • Managing cash flow through lean and peak seasons
  • Aligning investments with operational timelines
  • Building a safety net to handle the unexpected without derailing long-term plans

Whether you’re planning to expand, invest in new equipment, or slow down after decades in the field, we’ll help you align your resources with your vision.

Succession planning that keeps your farm—and your family—intact

Few conversations are more important—or more sensitive—than farm succession. Who takes over? How do you treat all your children fairly if only one wants to stay involved? What happens to the land, the business, and the legacy you’ve built?

We walk you through these questions, bringing both structure and empathy to the process. Our succession planning includes:

  • Structuring ownership transfers to minimize tax
  • Ensuring clarity and fairness among heirs
  • Helping the next generation prepare to lead confidently
  • Building in flexibility for changing family dynamics

Tax strategies that keep more in your hands

The tax landscape for farmers offers unique opportunities—if you know how to use them. We help you plan around those opportunities to keep more wealth in your family and less in the hands of the CRA.

That includes:

  • Maximizing the Lifetime Capital Gains Exemption (LCGE)
  • Minimizing estate tax liabilities with early, structured planning
  • Strategically managing income and expenses to reduce annual tax burdens
  • Coordinating your business structure to support intergenerational transfer

Without proper planning, farm families often pay more tax than they need to. We help ensure you don’t.

Incorporation and business structuring for modern farms

Incorporating your farm operation isn’t right for everyone—but for some families, it opens the door to meaningful benefits. We’ll help you assess whether incorporation fits your goals, and guide you through the process if it does.

Benefits may include:

  • Access to lower corporate tax rates
  • Income splitting with family members
  • Enhanced business protection and liability control
  • Clearer structures for long-term ownership and transition

We also help with corporate record-keeping, dividend strategies, and long-term planning so that your incorporation delivers real value—not extra headaches.

Insurance that safeguards what matters

The reality of farming is that one bad year can undo decades of progress. That’s why risk planning isn’t optional—it’s foundational. We help you implement insurance strategies that protect your family, your business, and your future.

This includes:

  • Life insurance to provide stability and liquidity
  • Disability and critical illness coverage to protect income
  • Business insurance for equipment, operations, and liability risks

Your insurance plan should be as durable as your work ethic. We make sure it is.

Wealth planning that honours your way of life

At McInroy & Associates, we offer guidance rooted in experience, values, and trust. We’ve worked with farming families for decades, and we understand how personal these decisions are.

We bring that understanding to every conversation, helping you:

  • Coordinate estate plans that reflect your family’s values
  • Educate the next generation on wealth and responsibility
  • Balance today’s needs with tomorrow’s goals
  • Find peace of mind in knowing your legacy is protected

You’ve put in the work. Let’s build a financial plan that works just as hard as you do.