Financial advisor in Richmond Hill
Wealth built one complication at a time.
Kaetyn St. Hilaire, CFA, and OneSixty Wealth work with physicians, business owners and high earners across Ontario, Richmond Hill included. Personal and corporate accounts are planned together, under Ontario's tax and estate rules.
How we work with clients in Richmond Hill
Richmond Hill is in York Region, between Markham and Vaughan, with 202,022 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 Richmond Hill, that means video meetings at a time that suits you.
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 Richmond Hill.
The first questions
Retiring at 55 means a decade of living costs before CPP, OAS and any pension begin, so the drawdown is set out year by year, account by account.
“You cannot sustain a 30-year retirement on 2 weeks in Tuscany.”
Kaetyn St. Hilaire, CFA, in After Talking to 300+ Retirees, I'd Skip the Bucket List
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 Richmond Hill
Every service is available to clients in Richmond Hill, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions from Richmond Hill
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 Richmond Hill can do everything by video.
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.
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.
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.
There is no national retirement number. The right figure is built from your actual spending, your account structure, your tax exposure and how long the money has to last, including the years before CPP and OAS begin.
Around Richmond Hill
Also serving near Richmond Hill
The same video meetings are available in Vaughan, Aurora and Newmarket, and anywhere else in Ontario.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to people aiming to retire at 55.
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.