Financial advisor in Brandon
Wealth built one complication at a time.
Financial advice in Brandon from OneSixty Wealth: one plan for your retirement income, taxes, investments, insurance, estate and professional corporation, built by Kaetyn St. Hilaire, CFA, around Manitoba's rules.
Working with OneSixty Wealth from Brandon
Brandon, on the Assiniboine River in southwestern Manitoba, is the province's second-largest city, with 51,313 residents in the 2021 Census, up 5.0% from 2016.
Where planning often starts
For retirement income, it starts with twelve months of real spending, then CPP and OAS timing and the order you draw on each account.
Meeting from Brandon
Meetings can be held virtually anywhere in Manitoba, so the planning conversations, the plan presentation and the yearly reviews all happen by video from Brandon.
Office hours
Monday to Friday, 7:00 AM to 5:00 PM Mountain Time, with weekends by appointment. That is 8:00 AM to 6:00 PM Central Time in Brandon.
In person in Calgary
If you would rather sit across the table, meetings can be held in person in Calgary.
“Most people just keep saving. Not because they need to, but because nobody told them that they could stop.”
Kaetyn St. Hilaire, CFA, in How Much You Need to NEVER Run Out of Money in Retirement (as a Canadian)
Manitoba rules that shape your plan
Manitoba has three provincial tax brackets, no probate fee, and no provincial tax on small business income. These are the 2026 figures we plan around for Manitoba clients.
Income tax in Manitoba, 2026
Manitoba taxes income at 10.8% up to $47,564, 12.75% to $101,200 and 17.4% above that. With the federal 33% top rate, the highest combined rate is 50.4%, on taxable income above $258,482.
Probate in Manitoba
Manitoba eliminated probate fees on November 6, 2020. An executor may still need a grant of probate from the court, but no fee is charged on the value of the estate. The larger costs at death are usually the tax on registered accounts and capital gains.
Corporations in Manitoba
Manitoba charges no provincial tax on active business income up to the $500,000 small business limit, so the combined rate is the federal 9%. Above the limit, the combined rate is 27% (12% Manitoba and 15% federal).
Sources. Canada Revenue Agency, 2026 federal and Manitoba tax rates and corporation tax rates; Manitoba court notice eliminating probate fees, November 6, 2020. Figures are for 2026 and change each January.
Planning services in Brandon
Every service is available to clients in Brandon, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Financial advice in Brandon: common questions
Honest answers to the questions we hear most often.
Yes, by video. Kaetyn works with clients across Canada, and meetings can be held virtually anywhere in Manitoba. If you would rather meet in person, meetings are held in Calgary.
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.
For 2026, the highest combined federal and Manitoba rate is 50.4%, on taxable income above $258,482. Manitoba's own rates start at 10.8% on the first $47,564. The Canada tax calculator works it out for a Manitoba resident.
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.
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.
Around Brandon
Also serving near Brandon
The same video meetings are available anywhere in Manitoba.
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.