Financial advisor in Burlington
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 Burlington. Kaetyn St. Hilaire, CFA, works with clients across Canada and meets Burlington clients by video.
How we work with clients in Burlington
Burlington is the Halton Region city between Oakville and Hamilton on Lake Ontario, with 186,948 residents in the 2021 Census.
Video meetings across Ontario
Kaetyn works with clients across Canada. Meetings can be held virtually anywhere in Ontario, which is how meetings with clients in Burlington take place.
The first questions
It often starts with the designations: who is named on each RRSP, RRIF and TFSA, and whether a spouse is a successor holder or only a beneficiary.
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 Burlington.
“If you have a $400,000 RRSP and you live in Ontario, your estate could owe the CRA roughly $200,000 or more in taxes on that account alone.”
Kaetyn St. Hilaire, CFA, in What Happens to Your RRSP, TFSA, and RRIF When You're Gone (Canada)
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.
What we plan for Burlington clients
Every service is available to clients in Burlington, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions about a financial advisor in Burlington
Honest answers to the questions we hear most often.
No. Meetings can be held in person in Calgary or virtually anywhere in Ontario, so clients in Burlington can do everything by video.
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.
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.
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.
If your spouse or common-law partner is named as beneficiary, the RRSP or RRIF rolls over to them tax-free. Otherwise the full value is added to income on your final tax return. For a TFSA, name your spouse as successor holder, not only as beneficiary, so the account stays tax-sheltered.
Around Burlington
Also serving near Burlington
The same video meetings are available in Milton and Grimsby, and anywhere else in Ontario.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to families thinking about what happens at death.
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.