Financial advisor in Kingston
Wealth built one complication at a time.
Financial advice in Kingston 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 Kingston
Kingston sits where Lake Ontario meets the St. Lawrence River, with 132,485 residents in the 2021 Census.
Meeting from Kingston
Meetings can be held virtually anywhere in Ontario, so the planning conversations, the plan presentation and the yearly reviews all happen by video from Kingston.
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 Kingston.
The first questions
After 71, the RRIF minimum sets an income floor, so the plan manages which years income is realized and how much is drawn from the TFSA instead.
“The RRSP meltdown is not about paying more tax now. It's about potentially paying less tax overall by being strategic about when you recognize income.”
Kaetyn St. Hilaire, CFA, in The ONE Trick Can Save Canadian Retirees Thousands in Taxes
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 Kingston
Every service is available to clients in Kingston, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Financial advice in Kingston: common questions
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 Kingston can do everything by video.
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.
None on an estate of $50,000 or less, then $15 for every $1,000 above $50,000. A $1,000,000 estate pays $14,250. With multiple wills, only the assets in the will being probated are counted, so a second will for assets such as private company shares is common in Ontario estate plans.
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.
Once your individual net income passes the OAS recovery threshold, OAS is clawed back at 15 cents on every additional dollar until it is gone. TFSA withdrawals do not count as income, so drawing part of your spending from a TFSA can keep net income below the line.
Around Kingston
Also serving near Kingston
The same video meetings are available in Napanee, Gananoque and Brockville, and anywhere else in Ontario.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to retirees approaching or past 71.
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.