Financial advisor in Hamilton
Wealth built one complication at a time.
Financial advice in Hamilton 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 Hamilton
Hamilton sits at the western end of Lake Ontario and counted 569,353 residents in the 2021 Census, Ontario's fifth-largest city.
Meeting from Hamilton
Meetings can be held virtually anywhere in Ontario, so the planning conversations, the plan presentation and the yearly reviews all happen by video from Hamilton.
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 Hamilton.
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.
“You did everything right for 30 or 40 years, and you can still end up paying more tax in retirement than you expected.”
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.
Planning services in Hamilton
Every service is available to clients in Hamilton, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Financial advice in Hamilton: common questions
Honest answers to the questions we hear most often.
Yes. Meetings can be held virtually anywhere in Ontario, including Hamilton, 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 9:00 AM to 7:00 PM Eastern Time in Hamilton.
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.
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, 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 Hamilton
Also serving near Hamilton
The same video meetings are available in Grimsby and Brantford, and anywhere else in Ontario.
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.