Financial advisor in Mississauga
Wealth built one complication at a time.
Kaetyn St. Hilaire, CFA, and OneSixty Wealth work with physicians, business owners and high earners across Ontario, Mississauga included. Personal and corporate accounts are planned together, under Ontario's tax and estate rules.
How we work with clients in Mississauga
Mississauga, in Peel Region on the western edge of Toronto, is Ontario's third-largest city with 717,961 residents in the 2021 Census.
No travel needed
Kaetyn works with clients across Canada, and meetings can be held virtually anywhere in Ontario. For clients in Mississauga, that means video meetings at a time that suits you.
Where planning often starts
For business owners, the largest variable is usually the exit: shares or assets, the lifetime capital gains exemption, and whether the sale happens on your timeline or someone else's.
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 9:00 AM to 7:00 PM Eastern Time in Mississauga.
“Corporately owned life insurance has to be structured properly by someone who genuinely understands both the tax code and how corporate accounts work.”
Kaetyn St. Hilaire, CFA, in 3 Legal CRA Loopholes That Could Save Retirees Thousands
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.
Services for clients in Mississauga
Every service is available to clients in Mississauga, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions from Mississauga
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.
Start with the questions a good planner should be asking you, about your income, your corporation, your timeline and your family (see questions your last advisor never asked). Then check the basics: registration with Designed Securities Ltd., regulated by CIRO and a member of CIPF, how fees are charged, and whether the plan covers tax, retirement, insurance and estate together.
A premium collected through your Ontario tax return. It reaches its maximum of $900 a year once taxable income is above $200,600, and it also applies to split income.
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.
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.
Around Mississauga
Also serving near Mississauga
The same video meetings are available in Milton, and anywhere else in Ontario.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to business owners and incorporated professionals.
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.