Financial advisor in Richmond, BC
Wealth built one complication at a time.
OneSixty Wealth brings personal and corporate planning and tax-efficient investing to physicians, business owners and high earners in Richmond, BC. Kaetyn St. Hilaire, CFA, works with clients across Canada and meets Richmond, BC clients by video.
How we work with clients in Richmond, BC
Richmond, BC sits on the islands of the Fraser River delta, south of Vancouver, and is home to Vancouver International Airport. It counted 209,937 residents in the 2021 Census.
Where the work usually begins
It often starts with the designations: who is named on each RRSP, RRIF and TFSA, and whether a spouse is a successor holder or only a beneficiary.
Office hours
Monday to Friday, 7:00 AM to 5:00 PM Mountain Time, with weekends by appointment. That is 6:00 AM to 4:00 PM Pacific Time in Richmond, BC.
Video meetings across British Columbia
Kaetyn works with clients across Canada. Meetings can be held virtually anywhere in British Columbia, which is how meetings with clients in Richmond, BC take place.
In person in Calgary
If you would rather sit across the table, meetings can be held in person in Calgary.
“One designation, one word, massive financial difference.”
Kaetyn St. Hilaire, CFA, in What Happens to Your RRSP, TFSA, and RRIF When You're Gone (Canada)
British Columbia rules that shape your plan
British Columbia has seven provincial tax brackets, a probate fee that grows with the estate, and a law that lets a spouse or child challenge a will. These are the 2026 figures we plan around for BC clients.
Income tax in BC, 2026
BC taxes income at 5.6% up to $50,363, 7.7% to $100,728, 10.5% to $115,648, 12.29% to $140,430, 14.7% to $190,405, 16.8% to $265,545 and 20.5% above that. With the federal 33% top rate, the highest combined rate is 53.5%, on taxable income above $265,545.
Probate fees in BC
There is no probate fee on an estate of $25,000 or less. Above that, the fee is $6 for every $1,000 between $25,000 and $50,000, and $14 for every $1,000 above $50,000. On a $1,000,000 estate that is $13,450, which is why beneficiary designations and how accounts are owned matter more in BC.
Wills can be varied in BC
Under section 60 of BC's Wills, Estates and Succession Act, a spouse or child can ask the court to vary a will that does not make adequate provision for them. The claim must be started within 180 days of the grant of probate. An estate plan for a BC family is drafted with that in mind.
Corporations in BC
Active business income in a BC corporation is taxed at 11% combined (2% provincial and 9% federal) up to the small business limit, and 27% (12% and 15%) above it.
Sources. Canada Revenue Agency, 2026 federal and British Columbia tax rates and corporation tax rates; BC Probate Fee Act, section 2; BC Wills, Estates and Succession Act, sections 60 and 61. Figures are for 2026 and change each January.
What we plan for Richmond, BC clients
Every service is available to clients in Richmond, BC, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions about a financial advisor in Richmond, BC
Honest answers to the questions we hear most often.
Yes. Under section 60 of the Wills, Estates and Succession Act, a spouse or child can ask the court to vary a will that does not make adequate provision for them, within 180 days of the grant of probate. We plan the estate side with your lawyer so the will and your account designations work together.
If your spouse or common-law partner is named as beneficiary, the RRSP or RRIF rolls over to them tax-free. Otherwise the full value is added to income on your final tax return. For a TFSA, name your spouse as successor holder, not only as beneficiary, so the account stays tax-sheltered.
Check registration first: Kaetyn St. Hilaire is a representative of Designed Securities Ltd., a full-service investment dealer regulated by the Canadian Investment Regulatory Organization (CIRO) and a member of the Canadian Investor Protection Fund (CIPF). Then ask how the advisor is paid, and expect every cost explained before you commit. A second opinion is a good test: we will review your current holdings, fees and strategy and give you honest feedback, even if that means telling you to stay where you are.
Yes. Meetings can be held virtually anywhere in British Columbia, including Richmond, BC, and in person in Calgary for anyone who prefers it. Office hours are Monday to Friday, 7:00 AM to 5:00 PM Mountain Time, and weekends by appointment. That is 6:00 AM to 4:00 PM Pacific Time in Richmond, BC.
We operate on a fee-based model. For investment management, fees are based on a percentage of assets under management. Financial planning and insurance services may have separate fee structures, which we'll always explain upfront. You'll always know exactly what you're paying.
Around Richmond, BC
Also serving near Richmond, BC
The same video meetings are available in Delta, and anywhere else in British Columbia.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to families thinking about what happens at death.
Book a free wealth review
A complimentary, no-obligation conversation about your goals and current situation, and a clear explanation of how we can help. No pressure, just honest advice.