Adam McInroy - McInroy & Associates Private Wealth Management

06/10/2026

Over 40 five-star reviews. While we're grateful for the recognition, what matters most is what those reviews represent: trust.

At McInroy & Associates Private Wealth Management, we believe trust is built long before investment recommendations are ever discussed. The most successful client relationships begin with understanding what truly matters to you—your family, your legacy, your values, your ambitions, and the impact you want your wealth to have.

A portfolio is not a financial plan.

Investment management is simply one tool within a much larger blueprint. Our work starts by helping clients define what they want their wealth to accomplish, then building a comprehensive plan that aligns with their goals, ethics, and vision for the future.

For affluent families and business owners, the real value isn't found in a rate of return alone. It's found in having a trusted partner who can help bring clarity to complex financial decisions and ensure every strategy supports the life you're working to create.

Thank you to the clients who have trusted us with their financial journey and shared their experiences. Your confidence in our team means everything.

If you're looking for advice that starts with your aspirations—not your portfolio—we'd welcome a conversation.

05/26/2026

What are you actually paying for when it comes to financial advice?

With new fee disclosure rules coming in 2026, many Canadians will soon see exactly what they’re paying their advisor. But the bigger question is: what are you getting in return?

At McInroy & Associates Private Wealth Management, we believe advisory fees should buy far more than portfolio maintenance. They should include proactive tax planning, retirement income strategy, estate coordination, behavioural coaching during market volatility, and a long-term financial roadmap designed around your life — not the mood of the market.

The reality is, great planning often shows up quietly:
✔️ Fewer tax surprises
✔️ Better retirement income decisions
✔️ Calm during volatile markets
✔️ A family prepared for the future
✔️ Confidence knowing there’s a real plan behind your wealth

If you’ve ever wondered whether your current advice matches the fees you pay, our latest article may help you think differently about value.

Full fee disclosure arrives in 2026. Do the fees you pay match the value you receive?

05/15/2026

Ever notice how the best camping trips are the ones you actually planned for? The same goes for your finances.

FP Canada’s latest Financial Stress Index (2026) found that money is still the leading source of stress for Canadians—but those who take the time to plan ahead are more confident and enjoy greater financial freedom.

A good financial plan is like knowing exactly where to pitch your tent—it gives you security, control, and peace of mind no matter how the winds blow.

Start reducing your financial stress and find the kind of calm you feel by the campfire. Because when your money’s in order, you can focus on what truly matters: family, adventure, and the great outdoors.

04/22/2026

Behind every great client experience is an exceptional team making it happen.

At McInroy & Associate Private Wealth Management, we’re proud to recognize the incredible work of our administrative team—especially today, on Professional Administrative Day.

They are often the first point of contact, the steady hand behind the scenes, and the reason things run as smoothly as they do for our clients.

From coordinating complex financial strategies to ensuring every detail is handled with care, their dedication directly impacts the confidence and clarity our clients feel every day.

Great advice doesn’t just come from strategy—it comes from ex*****on, communication, and consistency. Our admin team delivers on all three, and they are a big part of why our clients trust us with what matters most.

To our team: thank you for everything you do. Your impact is felt by every client we serve, and it does not go unnoticed.

Join us in celebrating Professional Administrative Day by recognizing those who keep everything moving forward.

03/26/2026

Most investors focus on returns before tax—but what truly matters is what you keep after tax.

Our latest blog explores the concept of tax alpha—the additional return generated through strategic tax planning. For high-net-worth investors, even small improvements in tax efficiency can meaningfully enhance long-term wealth. In fact, taxes can quietly erode 1–2% of annual returns, making tax strategy just as important as investment selection.

But here’s the key: tax alpha doesn’t happen by accident.

It requires a disciplined, coordinated approach that includes:
• Structuring investments across the right accounts
• Ongoing tax-loss harvesting and gain management
• Strategic income planning (salary vs. dividends, withdrawals, etc.)
• Continuous monitoring as tax rules and your life evolve

This is where a financial advisor plays a critical role.

A well-designed financial plan is not a “set it and forget it” exercise. It’s a living strategy—one that must be implemented, monitored, and constantly adjusted to ensure you’re minimizing tax drag and maximizing after-tax outcomes.

Without that ongoing oversight, even the best investment strategy can fall short of its potential.

If your current plan isn’t built with taxes at the forefront, you may be leaving significant wealth on the table.

Read the full article here:

How high-net-worth Canadians can boost after-tax returns with asset location, withdrawal sequencing, and patient, bracket-smart planning.

03/10/2026

Are You Keeping More of What Your Investments Earn?

For high-net-worth investors in Canada, investment performance isn’t just about market returns—it’s about what you keep after tax.

Many portfolios focus on pre-tax performance, but the real opportunity often lies in improving tax efficiency, sometimes referred to as “tax alpha.” With the right strategies, investors can potentially enhance after-tax returns without taking on additional investment risk.

In our latest blog, we explore strategies Canadian investors can use to reduce tax drag, including:
• Tax-efficient asset location
• Strategic use of capital gains and dividends
• Thoughtful withdrawal planning
• Coordinating investment and tax planning

Small structural changes can make a meaningful difference over time especially for investors with larger portfolios.

If you want to understand how tax-efficient your portfolio really is, this article is a great place to start.

Read the full article here:
https://www.mcinroypwm.com/blueprints/tax-alpha-canada-how-high-net-worth-investors-can-boost-after-tax-returns

How high-net-worth Canadians can boost after-tax returns with asset location, withdrawal sequencing, and patient, bracket-smart planning.

02/26/2026

In the last several weeks, I've had some great conversations with people who have strong pensions, but face uncertainty with their financial future. If you have a pension and are approaching retirement in the next 3–7 years, this is your critical planning window for you.

A defined benefit pension provides stable lifetime income — but it doesn’t answer important questions like:

• When should you start CPP and OAS?
• How will taxes impact your net retirement income?
• Should you choose survivor benefits or maximize monthly income?
• Do you need additional savings to fund travel, gifting, or lifestyle goals?
• How will inflation affect your purchasing power over 25–30 years?

The decisions you make before retirement are often irreversible. Waiting too long can limit your options.

Your pension is a powerful foundation — but it must be coordinated with the rest of your financial life.

Read the full blog here:
🔗 https://www.mcinroypwm.com/blueprints/peterborough-pension-planning-omers-opg

If retirement is on the horizon, now is the time to stress-test your plan.

Book a complimentary pre-retirement consultation today and ensure your pension works as part of a complete strategy — not in isolation.

The window to optimize is smaller than most people think.

Even with strong OMERS or OPG pensions, clear, personal planning in Peterborough helps protect lifestyle, lower taxes, and keep retirement flexible for you and your family.

02/05/2026

Life insurance is not just for when you are working—it can also play an important role in protecting your spouse, family, and estate as you move into retirement. At McInroy & Associates Private Wealth Management, we help you understand how life insurance fits alongside your pensions, investments, and other assets so your overall plan stays coordinated.

Whether your goal is income protection, covering taxes, or leaving a legacy, our team walks you through your options in clear language so you can make confident, informed decisions.

Book a meeting: www.mcinroypwm.com/get-touch

Life insurance is not just for when you are working—it can also play an important role in protecting your spouse, family, and estate as you move into retirem...

02/04/2026

Your pension is more than just a line on your statement.

Having a pension plan is a good start—but without a clear strategy and ongoing guidance, it may not fully support the retirement you’re counting on. At McInroy & Associates Private Wealth Management, we help you see how your pension fits with your other savings, benefits, and income sources so everything works together toward your goals.

From when to start your pension, to survivor options, CPP/OAS integration, and tax planning, our team provides personalized advice so your pension becomes part of a real retirement plan and the lifestyle you want in retirement.

Learn more in our latest blog and see how we can help you make the most of your pension:
https://www.mcinroypwm.com/blueprints/peterborough-pension-planning-omers-opg

Having a pension plan is a good start—but without a clear strategy and ongoing guidance, it may not fully support the retirement you are counting on. At McIn...

01/29/2026

"Choosing a financial planner is a big decision, but it shouldn’t feel mysterious. If you’d like, bring this list to our first conversation in Haliburton or Kawartha Lakes. I’ll answer each question directly—and if my answers don’t fit what you need, you’ll still leave with a tool to help you find the right person for you."

Check out our latest blog with a list of 12 questions to help provide you clarity as you search out a financial advisor, so that you can find the right person to collaborate with you on your financial journey.

Unlock the full potential of your wealth by knowing exactly what to ask about your financial future. At McInroy & Associates Private Wealth Management, we he...