You’ve worked hard to build something meaningful—for your family, your community, and your future. Now it’s time to ensure that wealth continues to serve a purpose, even when it’s no longer in your hands. At McInroy & Associates Private Wealth Management, we help families across Peterborough, Bobcaygeon, Kawartha Lakes, and Haliburton transfer wealth with intention—not just passing on assets, but passing on clarity, security, and values.

Whether you’re planning to support your children with their first home, preserve the family cottage, or prepare your grandchildren to one day carry on your legacy, we create strategies that make those goals real and lasting.

The great wealth transfer—done right

Canada is in the midst of an unprecedented wealth transfer, as Baby Boomers prepare to pass trillions of dollars to the next generation. But transferring wealth is about more than signing paperwork—it’s about building a structure that holds steady through tax pressure, family transitions, and life’s surprises.

Our team helps you avoid common pitfalls by turning complex decisions into straightforward, effective strategies. From tax planning to heir readiness, we guide you through every step. The result? A legacy that doesn’t just move forward—it grows stronger with each generation.

Bringing families together with purpose

One of the most overlooked parts of wealth transfer? Communication. In many families, conversations about inheritance and future planning are avoided—until it’s too late. We help you break the silence with open, thoughtful discussions that bring clarity, trust, and shared understanding. With McInroy & Associates, these conversations aren’t intimidating—they’re empowering. Because the strongest legacies are built on trust.

A living strategy

We believe wealth transfer planning should be as dynamic as life itself. That’s why we go beyond wills and legal paperwork. We build living, adaptable plans that evolve with your family, your finances, and your vision.

Here’s how we support you:

  • Estate planning

    We reduce tax exposure and simplify administration so your assets reach the right hands at the right time.

  • Trusts and gifting

    Trusts allow you to maintain control while transferring wealth. Lifetime gifting, when structured properly, can reduce taxes and create immediate impact.

  • Insurance planning

    Life insurance creates liquidity, supports estate equalization, and gives your heirs room to breathe when they need it most.

Business wealth and succession made simple

If your wealth is tied to a business, the stakes are even higher. A rushed or unclear succession can lead to tax burdens, operational disruption, and strained relationships. We help smooth the transition—so whether your business stays in the family or moves to a third party, your legacy stays intact. No matter the path, we guide it with discipline, transparency, and long-term thinking.

Our business wealth transfer services include:

Built on genuine care and multi-generational trust

Families work with McInroy & Associates because we care deeply—enough to raise the hard questions, enough to proactively spot issues before they become problems. We’ve guided multiple generations of families across Kawartha Lakes and beyond, bringing the kind of clarity and consistency that makes all the difference.

We know this isn’t just about numbers. It’s about people. That’s why we take our time, listen closely, and stay with you every step of the way.