At McInroy & Associates Private Wealth Management, tax planning is the foundation of everything we do. For high-net-worth individuals and business owners, taxes are often the single biggest threat to long-term wealth. But with the right strategy, they don’t have to be.
From corporate tax planning to retirement withdrawals, we build smart, proactive strategies designed to reduce tax exposure and keep your money working for you. Whether you're in Peterborough, Bobcaygeon, Haliburton, or Kawartha Lakes, our goal is simple: protect what you’ve built.
Tax planning for high-net-worth individuals
The more success you’ve had, the more complex your financial picture becomes. We specialize in tax planning for high-net-worth individuals with layered needs—business assets, holding companies, pensions, real estate, investments, and legacy goals.
Our team takes a full-picture approach, identifying ways to reduce your tax burden without compromising your lifestyle or future plans. From income splitting and strategic gifting to optimizing capital gains and minimizing probate, we make every detail count.
Corporate tax planning with precision
If you’re a business owner, every decision has a tax implication. Structure, compensation, reinvestment, exit strategy—it all adds up. Our corporate tax planning process helps you answer critical questions like:
- Should you pay yourself through salary or dividends?
- Is your business structure optimized for future growth—or succession?
- Are there tax-efficient ways to extract funds for personal use or legacy planning?
We help you stay ahead. Whether you’re building your business or preparing for a smooth sale, our strategies put you in control of your corporate tax landscape.
Tax planning for business owners who want more than generic advice
We understand the unique challenges business owners face, especially when retirement is on the horizon. That’s why we integrate tax planning directly into business succession and retirement planning. When it’s time to step back or sell, we make sure taxes don’t take more than they should.
Our tax planning specialists coordinate with your accountant, lawyer, and other advisors to ensure every step—from valuation to ownership transfer—is handled with care and tax efficiency. Retirement should reward your years of hard work.
Tax planning with insight and intention
At McInroy & Associates, tax planning isn’t a once-a-year task—it’s a year-round strategy built into every financial decision. Clients across Peterborough, Kawartha Lakes, Bobcaygeon, and Haliburton rely on us for proactive guidance that goes far beyond a single tax return. We take the time to understand your full financial picture—where you are today, what you want to achieve, and how to get there without losing momentum to unnecessary tax.
Tax planning strategies
Our strategies are specific, measurable, and based on real-life application. Here’s how we help:
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Optimized withdrawals
We map out which accounts (RRSPs, TFSAs, corporate funds) to draw from first—and when—to reduce tax impact.
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Income splitting
Where possible, we use proven strategies to shift income to lower-taxed family members.
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Charitable giving
From donor-advised funds to gifting appreciated securities, we help you support causes you care about—without paying more than you need.
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Trusts and legacy planning
We structure intergenerational transfers that preserve wealth and reduce estate tax exposure.
Adapting with you, always one step ahead
Tax rules aren’t static—and neither is our approach. We monitor regulatory shifts, income bracket changes, new credits, and planning opportunities to ensure your strategy evolves. When something changes in your life—a windfall, a health issue, or a business sale—we’re already prepared to adjust.
Clients trust McInroy & Associates to look around corners and respond before they even know they need a change. That’s the value of a true tax planning partner.