Financial advisor in North Vancouver
Wealth built one complication at a time.
Financial advice in North Vancouver from OneSixty Wealth: one plan for your retirement income, taxes, investments, insurance, estate and professional corporation, built by Kaetyn St. Hilaire, CFA, around British Columbia's rules.
Working with OneSixty Wealth from North Vancouver
North Vancouver is two municipalities on the North Shore of Burrard Inlet: the City of North Vancouver, with 58,120 residents in the 2021 Census, and the District of North Vancouver, with 88,168.
Meeting from North Vancouver
Meetings can be held virtually anywhere in British Columbia, so the planning conversations, the plan presentation and the yearly reviews all happen by video from North Vancouver.
In person in Calgary
If you would rather sit across the table, meetings can be held in person in Calgary.
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 North Vancouver.
Where the work usually begins
For retirement income, it starts with twelve months of real spending, then CPP and OAS timing and the order you draw on each account.
“Why would you wait until the government forces you to withdraw at the worst possible time, when you could take control earlier and do it on your own terms?”
Kaetyn St. Hilaire, CFA, in The ONE Trick Can Save Canadian Retirees Thousands in Taxes
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.
Planning services in North Vancouver
Every service is available to clients in North Vancouver, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Financial advice in North Vancouver: common questions
Honest answers to the questions we hear most often.
Yes. Meetings can be held virtually anywhere in British Columbia, including North Vancouver, 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 North Vancouver.
Credentials, registration and plain answers about fees. Kaetyn holds the CFA, CIM, CIWM, FCSI and CEA designations and is a representative of Designed Securities Ltd., regulated by CIRO and a member of CIPF. Ask whether the advisor plans across your personal and corporate accounts or only manages investments. We do both: tax optimization, retirement projections, insurance analysis, estate planning and corporate structuring.
For 2026, the highest combined federal and BC rate is 53.5%, on taxable income above $265,545. BC's own rates start at 5.6% on the first $50,363. The Canada tax calculator works it out for a BC resident.
We operate on a fee-based model. For investment management, fees are based on a percentage of assets under management, which aligns our interests: we do well when you do well. Financial planning and insurance services may have separate fee structures, which we'll always explain upfront. The first review is free.
Deferring CPP from 65 to 70 increases the payment by 42 percent, permanently and indexed. For a healthy high earner with capital to bridge the gap, deferral is frequently the highest-return, lowest-risk decision in the plan. The CPP calculator compares start ages from 60 to 70.
Around North Vancouver
Also serving near North Vancouver
The same video meetings are available anywhere in British Columbia.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to people planning retirement income.
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.