Financial advisor in Halifax
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 Halifax. Kaetyn St. Hilaire, CFA, works with clients across Canada and meets Halifax clients by video.
How we work with clients in Halifax
Halifax is the capital of Nova Scotia. The Halifax Regional Municipality, which includes Dartmouth and Bedford, counted 439,819 residents in the 2021 Census, up 9.1% from 2016.
Video meetings across Nova Scotia
Kaetyn works with clients across Canada. Meetings can be held virtually anywhere in Nova Scotia, which is how meetings with clients in Halifax take place.
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 10:00 AM to 8:00 PM Atlantic Time in Halifax.
Where planning often starts
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.
“The question is whether your family's plan is better than the government's.”
Kaetyn St. Hilaire, CFA, in What Happens to Your RRSP, TFSA, and RRIF When You're Gone (Canada)
Nova Scotia rules that shape your plan
Nova Scotia has five provincial tax brackets, a top combined rate of 54%, and the highest probate fees in Canada. These are the 2026 figures we plan around for Nova Scotia clients.
Income tax in Nova Scotia, 2026
Nova Scotia taxes income at 8.79% up to $30,995, 14.95% to $61,991, 16.67% to $97,417, 17.5% to $157,124 and 21% above that. With the federal 33% top rate, the highest combined rate is 54%, on taxable income above $258,482.
Probate in Nova Scotia
Under the Probate Act, the fee in January 2026 was $1,002.65 on an estate of $50,000 to $100,000, plus $16.95 for every $1,000 above $100,000, the highest rate in Canada. On a $1,000,000 estate that is about $16,260, which is why beneficiary designations and how accounts are owned matter more in Nova Scotia.
Corporations in Nova Scotia
Nova Scotia taxes active business income at 1.5% up to its own $700,000 small business limit, and 14% above it. The federal limit stays at $500,000, so the combined rate is 10.5% on the first $500,000, 16.5% from $500,000 to $700,000, and 29% above that.
Sources. Canada Revenue Agency, 2026 federal and Nova Scotia tax rates and corporation tax rates; Nova Scotia Probate Act, section 87. Figures are for 2026 and change each year.
What we plan for Halifax clients
Every service is available to clients in Halifax, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions about a financial advisor in Halifax
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 Nova Scotia. If you would rather meet in person, meetings are held in Calgary.
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.
In January 2026, Nova Scotia charged $1,002.65 on an estate of $50,000 to $100,000, plus $16.95 for every $1,000 above $100,000. A $1,000,000 estate pays about $16,260, the most of any province, so how each account is owned and who is named on it is worth planning.
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 Halifax
Also serving near Halifax
The same video meetings are available in Dartmouth, Bedford and Truro, and anywhere else in Nova Scotia.
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.