Financial advisor in Barrie
Wealth built one complication at a time.
Financial advice in Barrie 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 Barrie
Barrie is on Kempenfelt Bay of Lake Simcoe, north of Toronto. It counted 147,829 residents in the 2021 Census, up 4.5% from 2016.
Meeting from Barrie
Meetings can be held virtually anywhere in Ontario, so the planning conversations, the plan presentation and the yearly reviews all happen by video from Barrie.
Where planning often starts
Retiring early means carrying the full cost of living before CPP, OAS and any pension begin, so the plan is tested against a poor first five years.
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 Barrie.
“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)
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 Barrie
Every service is available to clients in Barrie, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Financial advice in Barrie: 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 Ontario. If you would rather meet in person, meetings are held in Calgary.
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.
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, 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.
Not necessarily. The million-dollar figure is a rule of thumb, not a standard. A household may be able to retire comfortably with less if spending is manageable and pension or government income covers a meaningful part of its needs. What matters is whether your income sources, real spending and savings line up.
Around Barrie
Also serving near Barrie
The same video meetings are available in Innisfil, Orillia and Collingwood, and anywhere else in Ontario.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to people weighing an early retirement.
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.