Financial advisor in Ottawa
Wealth built one complication at a time.
Financial advice in Ottawa from OneSixty Wealth: one plan for your retirement income, taxes, investments, insurance, estate and professional corporation, built by Kaetyn St. Hilaire, CFA, around Ontario's rules.
Working with OneSixty Wealth from Ottawa
Ottawa is the capital of Canada and Ontario's second-largest city, with 1,017,449 residents in the 2021 Census, spread over 2,788 square kilometres.
Where planning often starts
With a workplace pension, the plan sets the pension beside CPP, OAS and your savings, and works out how pension income is split between spouses each year.
Meeting from Ottawa
Meetings can be held virtually anywhere in Ontario, so the planning conversations, the plan presentation and the yearly reviews all happen by video from Ottawa.
Office hours
Monday to Friday, 7:00 AM to 5:00 PM Mountain Time, with weekends by appointment. That is 9:00 AM to 7:00 PM Eastern Time in Ottawa.
In person in Calgary
If you would rather sit across the table, meetings can be held in person in Calgary.
“Most Canadians are using their worst-case insurance policy as their everyday spending plan.”
Kaetyn St. Hilaire, CFA, in How Much You Need to NEVER Run Out of Money in Retirement (as a Canadian)
Ontario rules that shape your plan
Ontario adds a surtax and a health premium to its income tax, and charges estate administration tax on estates above $50,000. These are the 2026 figures we plan around for Ontario clients.
Income tax in Ontario, 2026
Ontario taxes income at 5.05% up to $53,891, 9.15% to $107,785, 11.16% to $150,000, 12.16% to $220,000 and 13.16% above that. A surtax adds 20% of basic Ontario tax above $5,818 and a further 36% above $7,446. With the federal 33% rate, the highest combined rate is 53.53%, on taxable income above $258,482.
Estate administration tax
Ontario charges no estate administration tax on an estate of $50,000 or less, and $15 for every $1,000 above $50,000. On a $1,000,000 estate that is $14,250. When there are multiple wills, only the assets in the will being probated are counted, which is why many Ontario plans use a second will for assets such as private company shares.
The Ontario Health Premium
Ontario residents pay a health premium through their tax return, rising to $900 a year once taxable income is above $200,600. It also applies to split income, so it belongs in any income splitting decision.
Corporations in Ontario
Ontario's rate on active business income up to the small business limit fell from 3.2% to 2.2% on July 1, 2026. Income above the limit is taxed at 26.5% combined (11.5% Ontario and 15% federal).
Sources. Canada Revenue Agency, 2026 federal and Ontario tax rates and corporation tax rates; ontario.ca, estate administration tax and health premium. Figures are for 2026 and change each January.
Planning services in Ottawa
Every service is available to clients in Ottawa, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Financial advice in Ottawa: common questions
Honest answers to the questions we hear most often.
Yes, by video. Kaetyn works with clients across Canada, and meetings can be held virtually anywhere in Ontario. If you would rather meet in person, meetings are held in Calgary.
There are no hidden fees: we explain every cost before you commit to anything, including our advisory fee and fund costs. Investment management is fee-based, as a percentage of assets under management, and financial planning and insurance services may have separate fee structures. The first conversation is a free, no-obligation review.
For 2026, the highest combined federal and Ontario rate is 53.53%, on taxable income above $258,482, once the Ontario surtax is included. The Canada tax calculator includes the surtax for an Ontario resident.
Not always. Moving the maximum 50 percent is sometimes right, but the best split is often 20 or 35 percent, or none at all, because the election moves more than just taxable income. It has to be worked out again every year.
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.
Around Ottawa
Also serving near Ottawa
The same video meetings are available in Carleton Place, Arnprior and Kemptville, and anywhere else in Ontario.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to people with a workplace pension.
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.