Financial advisor in Guelph
Wealth built one complication at a time.
Financial advice in Guelph 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 Guelph
Guelph, on the Speed River, is home to the University of Guelph and counted 143,740 residents in the 2021 Census.
Where the work usually begins
It starts with questions about your income, your corporation, your timeline and your family, and the same questions come back every year in the KYC refresh.
Meeting from Guelph
Meetings can be held virtually anywhere in Ontario, so the planning conversations, the plan presentation and the yearly reviews all happen by video from Guelph.
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 Guelph.
In person in Calgary
If you would rather sit across the table, meetings can be held in person in Calgary.
“One designation, one word, massive financial difference.”
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.
Planning services in Guelph
Every service is available to clients in Guelph, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Financial advice in Guelph: common questions
Honest answers to the questions we hear most often.
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.
Banks typically offer limited product shelves and advisors who manage hundreds of clients. We provide independent, unbiased advice with access to a full range of investment solutions. You get a dedicated advisor who knows your situation deeply, not a call centre.
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.
Yes. Meetings can be held virtually anywhere in Ontario, including Guelph, 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 Guelph.
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.
Around Guelph
Also serving near Guelph
The same video meetings are available in Fergus and Cambridge, and anywhere else in Ontario.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to anyone comparing advisors.
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.