Financial advisor in Kamloops
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 Kamloops. Kaetyn St. Hilaire, CFA, works with clients across Canada and meets Kamloops clients by video.
How we work with clients in Kamloops
Kamloops sits where the North and South Thompson rivers meet, in British Columbia's Interior. It counted 97,902 residents in the 2021 Census.
Where planning often starts
For incorporated physicians and dentists, the first questions are usually the salary and dividend mix, the corporate investment portfolio, whether an IPP fits, and how a holding company is structured.
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 Kamloops take place.
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 Kamloops.
In person in Calgary
If you would rather sit across the table, meetings can be held in person in Calgary.
“The retirees who keep the most are not necessarily the ones who saved the most. They're the ones who had a plan before the rules made one for them.”
Kaetyn St. Hilaire, CFA, in Paying Too Much in Taxes? Here's How Wealthy Canadians Legally Pay Less
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 Kamloops clients
Every service is available to clients in Kamloops, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions about a financial advisor in Kamloops
Honest answers to the questions we hear most often.
This is one of our specialties. We help physicians optimize their salary-dividend mix, manage corporate investment portfolios, evaluate IPPs, and structure holding companies. Visit our Physicians page for more details.
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, by video. Kaetyn works with clients across Canada, and meetings can be held virtually anywhere in British Columbia. If you would rather meet in person, meetings are held in Calgary.
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.
None on an estate of $25,000 or less. Above that, BC charges $6 for every $1,000 between $25,000 and $50,000, and $14 for every $1,000 above $50,000. A $1,000,000 estate pays $13,450, so how each account is owned and who is named on it is worth planning.
Around Kamloops
Also serving near Kamloops
The same video meetings are available in Salmon Arm and Merritt, and anywhere else in British Columbia.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to incorporated physicians and dentists.
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.