Losing a spouse changes everything. The weight of grief. The flood of paperwork. The uncertainty about what comes next. At McInroy & Associates Private Wealth Management, we support widows, survivors, and their families through this difficult transition with the care, clarity, and expertise you deserve.
Whether you’re navigating immediate financial decisions or starting to think about the future, we help you take one thoughtful step at a time.
Start with where you are
In our first meeting, we listen. What does life look like now? What’s changed? What feels urgent—and what can wait?
Then we build a plan around you. That plan might include pension decisions, life insurance claims, estate planning, or rethinking how you draw income. If you qualify for a survivor’s pension, we’ll walk you through how it works, how it integrates with other benefits, and how to make it last.
Our job is to simplify complexity and make sure nothing is missed—without rushing anything that doesn’t need to be.
Understanding the survivor’s pension and your new income reality
A surviving spouse may be eligible for a survivor’s pension (aka widow pension) through the Canada Pension Plan (CPP) or other benefit programs, depending on your circumstances. We help you understand:
- Whether you're eligible and how to apply
- How this income interacts with CPP, OAS, or your spouse’s company pension
- The tax implications of receiving a survivor benefit
- How to structure this income within your broader plan
The goal is to ensure you feel confident about how these pieces fit together.
Support for families helping a surviving parent
We often work with adult children who are stepping in to support a surviving parent. That dynamic can be emotional, unfamiliar, and—at times—difficult to navigate. We act as a neutral guide who explains the options clearly and keeps everyone aligned.
Whether it’s reviewing the estate, sorting through joint accounts, or managing a sudden inheritance, we help your family make decisions with confidence. You’ll never feel like you’re in the dark.
Planning with purpose, at your pace
You may not want to think about long-term plans right away—and that’s okay. When you're ready, we’ll help you build a strategy that reflects your wishes and your values. That might include:
- Updating your will and beneficiaries
- Tax-smart investment strategies to preserve income and avoid unnecessary risk
- Estate planning to protect your heirs and reduce future tax burdens
- Charitable giving if you're ready to give back in a way that feels meaningful
- Gifting to family while keeping your own needs protected
Every decision is yours. Our role is to make sure the path forward is clear and supported.
Advice rooted in real care
At McInroy & Associates, we’re known for going the extra mile because we truly care. That means:
- Calling before you know you need us
- Following up on the little things
- Having the hard conversations, gently and clearly
- Never rushing you, and never handing you off to someone new
We know how overwhelming this can feel. Our role is to lighten that load and guide you through it, one step at a time.