After a lifetime of shift work, early mornings, overtime, and showing up even when it was tough, you finally have time for yourself in retirement. Whether you spent your career in a factory, on the roads, in the trades, or in public service, you’ve built a life rooted in hard work, routine, and reliability.

At McInroy & Associates Private Wealth Management, we help blue-collar retirees across Bobcaygeon, Kawartha Lakes, Haliburton, and Peterborough make the most of their retirement income. You’ve earned your pension—now we help you turn that pension into peace of mind. With practical advice, tax-smart strategies, and personalized service, we ensure your financial plan supports the life you’ve built and the future you deserve.

You’ve worked hard to build security—let’s make sure it lasts

Retiree couple on the yacht

Many retirees with workplace pensions assume they don’t need a financial plan. But retirement isn’t a single decision—it’s a series of choices: when to draw from your RRSPs, how to manage taxes, how to make your income last, and how to leave something behind if you want to.

We help you:

  • Understand your pension options, including pension sharing, splitting, or commuting your pension
  • Coordinate other income sources like CPP, OAS, RRIFs, or investment income
  • Decide when and how to draw from your savings
  • Reduce the tax you pay on your retirement income
  • Plan for unexpected costs without putting your future at risk

It’s not about chasing big returns. It’s about protecting what you’ve built, ensuring you retain your lifestyle and creating confidence for the years ahead.

Your pension is just the beginning

A workplace pension provides a solid foundation—but it’s not the whole picture. Many retirees find they still need to draw from personal savings, RRSPs, or non-registered investments to fund their retirement goals.

We help you build a retirement income strategy that pulls everything together. That includes:

  • Creating a clear drawdown plan for RRSPs and other savings
  • Using tax-efficient withdrawal strategies to avoid paying more than necessary
  • Timing CPP and OAS benefits to maximize your monthly income
  • Building a flexible monthly income that keeps up with inflation

You shouldn’t have to guess whether you can afford a trip, a renovation, or helping your grandkids. With a structured plan, you’ll know exactly where you stand—and that peace of mind is priceless.

Keeping more of what you’ve earned

Taxes don’t stop in retirement. In fact, without proper planning, they can take an even bigger bite out of your income. We work with you to minimize the impact of taxes on your pension and other retirement income.

Our strategies include:

  • Income splitting between spouses
  • TFSA planning to create tax-free income
  • RRIF withdrawal timing to reduce annual tax liability
  • Managing minimum withdrawals and coordinating with other benefits
  • Using available credits to reduce taxes in later years

We also make sure your tax plan aligns with your long-term goals, like estate planning or gifting to family.

Planning for health, legacy, and what comes next

Retirement is about enjoying today but it’s also about being prepared for tomorrow. That means thinking ahead to healthcare costs, estate plans, and how your wealth will support your family if something happens to you.

We help you:

  • Budget for rising healthcare costs
  • Review and update insurance coverage
  • Build an estate plan that protects your family and reflects your wishes
  • Coordinate wills, POAs, and beneficiary designations
  • Plan gifts to children or grandchildren in a tax-smart way

You’ve built your life with purpose. We’ll help ensure that continues—for your benefit, and for those you care about most.

Simple, straightforward advice you can trust

At McInroy & Associates, we keep things clear, steady, and personal. Our clients trust us because we explain things in plain language, we listen closely, and we show up when they need us. We’re proud to serve the people who’ve built this region—the tradespeople, mill workers, linemen, transit operators, firefighters, and frontline workers who kept things running. We don’t take that trust lightly. When you work with us, you get:

  • A long-term partner who understands your goals
  • A personalized retirement plan that reflects your lifestyle
  • Regular reviews to adjust as life changes
  • Proactive, ongoing support—no jargon, no surprises