Financial advisor in Brampton
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 Brampton. Kaetyn St. Hilaire, CFA, works with clients across Canada and meets Brampton clients by video.
How we work with clients in Brampton
Brampton, in Peel Region, counted 656,480 residents in the 2021 Census, up 10.6% from 2016, which makes it Ontario's fourth-largest city.
Where the work usually begins
For professionals earning $150K to $500K+ who are building wealth quickly, it starts with which account to fund first and a structured plan for the years ahead.
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 Brampton.
Video meetings across Ontario
Kaetyn works with clients across Canada. Meetings can be held virtually anywhere in Ontario, which is how meetings with clients in Brampton take place.
In person in Calgary
If you would rather sit across the table, meetings can be held in person in Calgary.
“The habit of waiting to catch up later is the single most expensive financial decision most Canadians make.”
Kaetyn St. Hilaire, CFA, in What's the Average Canadian Net Worth at 30, 40, 50 and 65?
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.
What we plan for Brampton clients
Every service is available to clients in Brampton, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions about a financial advisor in Brampton
Honest answers to the questions we hear most often.
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.
Often both. The RRSP deduction is worth the most when your marginal rate is high, and TFSA withdrawals do not count as income later, so they do not trigger the OAS clawback or push you into a higher bracket. The RRSP vs TFSA calculator compares the two for your numbers.
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.
Yes. Meetings can be held virtually anywhere in Ontario, including Brampton, 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 Brampton.
We operate on a fee-based model. For investment management, fees are based on a percentage of assets under management. Financial planning and insurance services may have separate fee structures, which we'll always explain upfront. You'll always know exactly what you're paying.
Around Brampton
Also serving near Brampton
The same video meetings are available in Caledon and Vaughan, and anywhere else in Ontario.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to high earners still building wealth.
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.