Financial advisor for professionals and high earners
High earners, not rich yet: professionals earning $150K to $500K+ who are building wealth quickly and need a structured plan to make the most of every dollar. Kaetyn St. Hilaire, CFA, plans the personal side and, where there is one, the corporate side together.
Financial planning by profession
Each career brings its own pension, corporation, insurance and retirement questions. Choose yours.
“The habit of waiting to catch up later is the single most expensive financial decision most Canadians make.”
Kaetyn St. Hilaire, CFA, in What's the Average Canadian Net Worth at 30, 40, 50 and 65?
Physicians
Medical professional corporations, the salary and dividend mix, insurance gaps and a shorter runway to retirement.
Dentists
The dental professional corporation, salary or dividends, associate to owner, and the practice sale.
Pharmacists
Pensions and group RRSPs, RRSP or TFSA, pharmacy ownership and retirement.
Nurses
LAPP, MPP and HOOPP pensions, RRSP or TFSA, commuted value and buyback decisions.
Veterinarians
Student debt, associate to clinic owner, the professional corporation and a clinic sale.
Optometrists
The professional corporation, buying into or selling a practice, and retirement.
Chiropractors
Irregular income, the professional corporation, buying or selling a clinic and retirement.
Lawyers
Capital accounts, instalments, professional corporations and retirement without a firm pension.
Engineers
Defined benefit and DC pensions, commuted values, APEGA permits, consulting corporations and early retirement.
Executives
Stock options, RSUs, PSUs, DSUs, deferred compensation, severance and retirement.
Pilots
Seniority and pay steps, airline pensions, loss of licence and disability insurance, and retirement planning before 65.
Accountants
Practice incorporation, TOSI, partner capital, selling a practice and retirement planning.
Tech professionals
RSUs, ESPPs, startup stock options, US stock withholding, T1135 reporting and concentration risk.
Oil and gas
Bonuses, rotation work, layoffs and severance, commuted values, LIRA unlocking and early retirement.
High income earners
Top tax brackets, RRSP vs TFSA, income splitting and the OAS clawback.
Business owners
Salary vs dividends, the passive income grind, individual pension plans and selling your business.
Questions from professionals
Honest answers to the questions we hear most often.
It describes professionals earning $150K to $500K+ whose income is high but whose wealth has not caught up yet, often because of a late start, student debt or a practice loan. A structured plan closes that gap faster.
No. Many high earners are employees with a pension or a group plan. The plan then centres on RRSP and TFSA strategy, tax, insurance and investing the surplus.
We generally work with clients who have $500,000+ in investable assets or a household income of $200,000+. That said, we're happy to have an introductory conversation regardless. Sometimes the right time to start planning is before you've accumulated significant wealth.
Kaetyn works with clients across Canada. Meetings can be held in person in Calgary or by video anywhere in Canada.
Book a free wealth review
A conversation about where you are, what you are building toward, and whether your current plan fits together.