Adam McInroy sees financial planning the way some people see puzzles—as a thousand disjointed pieces waiting to click into place. Some people come in with the border already built: a house, a pension, a savings account or two. Others bring the box upside down and jumbled. But almost all of them share the same feeling: “Are we missing opportunities we don’t even know about?” That’s where Adam comes in. He helps clients see what’s already there—and what’s possible when the right plan connects it all. 

Over the years, he’s learned that complexity itself isn’t the problem. It’s the feeling of being alone with it. Adam’s gift is turning that overwhelm into calm—whether he’s walking a client through the technical side of an estate plan, or asking a deceptively simple question: “Why are you waiting until you’re gone to help your kids?” That one question, he says, has unlocked more meaningful conversations than any portfolio alone ever could. 

He doesn’t do it alone. Associate Consultants Andrea Zapf and Caleb Dunn work closely alongside Adam, each bringing their own strengths to the team—Andrea with her warmth and connection, Caleb with his sharp attention to detail. Together, they form a tight-knit group known for personal service, thoughtful planning, and being the kind of people clients actually want to call. 

Adam’s not afraid to lean in when it matters. During the 2020 market crash, he spent hours on the phone with worried clients, talking them through their instincts to sell. “Don’t do what you’re about to do,” he told one couple. Weeks later, they called back and said, “We’ll never forget that.” Moments like those are why people work with Adam. Not for predictions. Not for sales. But for the steady voice that keeps them from self-sabotaging—and the thoughtful planning that gives them confidence to move forward. 

By the time the puzzle is complete, most clients aren’t just relieved. They’re empowered. 

Outside of work, Adam finds clarity in the outdoors. He’s a backcountry camper, Brazilian jiu-jitsu enthusiast, and family skier. He and his wife are raising their three kids in the Kawarthas, where they prioritize time in nature, unhurried moments, and a life built on connection and purpose.

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