Financial advisor in Fredericton
Wealth built one complication at a time.
Financial advice in Fredericton from OneSixty Wealth: one plan for your retirement income, taxes, investments, insurance, estate and professional corporation, built by Kaetyn St. Hilaire, CFA, around New Brunswick's rules.
Working with OneSixty Wealth from Fredericton
Fredericton is the capital of New Brunswick, on the Saint John River. It counted 63,116 residents in the 2021 Census, up 7.5% from 2016.
Where planning often starts
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.
Meeting from Fredericton
Meetings can be held virtually anywhere in New Brunswick, so the planning conversations, the plan presentation and the yearly reviews all happen by video from Fredericton.
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 Fredericton.
In person in Calgary
If you would rather sit across the table, meetings can be held in person in Calgary.
“Pension splitting only helps if you actually elect it properly when you file. The TFSA strategy only works if you've been funding that account consistently.”
Kaetyn St. Hilaire, CFA, in 3 Legal CRA Loopholes That Could Save Retirees Thousands
New Brunswick rules that shape your plan
New Brunswick has four provincial tax brackets, a probate fee of 0.5% on estates above $20,000, and a 2.5% small business rate. These are the 2026 figures we plan around for New Brunswick clients.
Income tax in New Brunswick, 2026
New Brunswick taxes income at 9.4% up to $52,333, 14% to $104,666, 16% to $193,861 and 19.5% above that. With the federal 33% top rate, the highest combined rate is 52.5%, on taxable income above $258,482.
Probate in New Brunswick
Under the Probate Court Act, the fee is $25 to $100 on an estate of up to $20,000, and $5 for every $1,000 of the whole estate above $20,000, or 0.5%. On a $1,000,000 estate that is $5,000.
Corporations in New Brunswick
Active business income in a New Brunswick corporation is taxed at 11.5% combined (2.5% provincial and 9% federal) up to the $500,000 small business limit, and 29% (14% and 15%) above it.
Sources. Canada Revenue Agency, 2026 federal and New Brunswick tax rates and corporation tax rates; New Brunswick Probate Court Act, Schedule A. Figures are for 2026 and change each January.
Planning services in Fredericton
Every service is available to clients in Fredericton, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Financial advice in Fredericton: 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 New Brunswick. 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 New Brunswick rate is 52.5%, on taxable income above $258,482. New Brunswick's own rates start at 9.4% on the first $52,333. The Canada tax calculator works it out for a New Brunswick resident.
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.
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 Fredericton
Also serving near Fredericton
The same video meetings are available in Oromocto and Saint John, and anywhere else in New Brunswick.
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.