Whether your next chapter involves travel, family, new passions, or simply peace of mind, we make sure your finances support the life you want to live. Our approach is thoughtful, structured, and always aligned with your personal goals—so you can move forward with purpose and ease.

Retirement planning, fully integrated

Group of elder womens

We believe retirement planning should be deeply connected to every other part of your financial life—your investments, tax plan, business exit strategy, estate wishes, and income goals. That’s why we take a comprehensive approach.

As retirement planning specialists, we look at your entire financial picture and build a plan that evolves with you. We coordinate every income stream—pensions, RRSPs, TFSA withdrawals, and corporate assets—so your retirement income is sustainable and clear.

The living retirement plan

At McInroy & Associates, we build what we call a living plan—a flexible retirement strategy that grows and shifts as your needs change. A health event, market shift, family decision, or unexpected travel opportunity shouldn’t derail your retirement; your plan should be ready to adjust.

Whether you're dreaming of quiet mornings at the lake, a new venture, or family-focused adventures, your retirement plan should support that. We make sure it does.

Your pension options—clarified and optimized

If you're approaching retirement with a workplace pension, there are often critical decisions to make. Should you take a lump sum pension transfer or a guaranteed monthly payout? Can your pension be split with your spouse? What happens in the event of a divorce?

We focus on helping clients navigate:

  • Pension planning

    Reviewing your options and determining the best course for income and tax efficiency.

  • Divorce pension considerations

    Supporting clients through the financial decisions involved in a pension split or pension sharing arrangement during a separation.

  • Pension transfer support

    Helping you evaluate whether transferring your pension is the right fit—and how to do it properly if so.

Our goal is to ensure you understand your options clearly and feel confident in your choice.

Decumulation: The next phase of wealth

Saving is one thing. Spending responsibly—without anxiety—is another. That’s where decumulation comes in. We help you transition from accumulation to distribution, showing you how to draw income without eroding your capital or triggering unnecessary tax.

Which account should you draw from first? Should you defer CPP? How do RRIF withdrawals affect your tax bracket? We answer these questions with care, always keeping your lifestyle and legacy front and centre.

Tax efficiency is part of every plan

A good retirement plan isn’t measured by income alone—it’s measured by what you keep. Our plans are built with tax efficiency baked into every decision. From income-splitting and tax credits to withdrawal sequencing and strategic gifting, we ensure your money stays working for you.

And if you're a business owner transitioning into retirement, our strategies help you unlock retained earnings, manage capital gains, and prepare for a tax-efficient exit.

Clarity through complexity

Retirement planning can feel overwhelming—especially if you’re facing a business sale, a career pivot, or managing a large pension. That’s where we come in. We help untangle the complexity, making sure every moving part works in sync.

Clients across Peterborough, Haliburton, Bobcaygeon, and Kawartha Lakes trust us to bring simplicity to even the most layered financial decisions—always with calm guidance and a steady hand.

Investments that evolve with your retirement

Retirement doesn’t mean your money stops working. We design investment strategies that shift with your needs—from growth to preservation to income generation. Whether you're looking for conservative stability or continued growth opportunities, we build portfolios that match your risk tolerance and life stage.

Inflation, market cycles, and income needs are all accounted for—so you can focus on enjoying life.

A legacy that lives on

Retirement is also about legacy. We help you define what that means—whether it’s supporting your family, giving to causes that matter, or transferring wealth efficiently to the next generation.

Our planning includes insurance strategies, trusts, and charitable giving tools to help you create lasting impact, all while protecting your estate from unnecessary tax.

Retirement confidence, built with care

When you work with McInroy & Associates, you’re getting a long-term partner who cares enough to have the tough conversations—whether it’s adjusting a plan after the loss of a spouse or rethinking retirement in the wake of market change. We pride ourselves on being proactive. Our clients often tell us they hear from us before they even know there's something to talk about. That’s not a coincidence—it’s because we care deeply about what happens next.

Our clients trust us across generations because we lead with care, ask the hard questions others avoid, and always put their goals at the centre of the plan.