Financial advisor in Kelowna
Wealth built one complication at a time.
Kaetyn St. Hilaire, CFA, and OneSixty Wealth work with physicians, business owners and high earners across British Columbia, Kelowna included. Personal and corporate accounts are planned together, under British Columbia's tax and estate rules.
How we work with clients in Kelowna
Kelowna is the largest city in the Okanagan Valley, on Okanagan Lake. It counted 144,576 residents in the 2021 Census, up 13.5% from 2016.
No travel needed
Kaetyn works with clients across Canada, and meetings can be held virtually anywhere in British Columbia. For clients in Kelowna, that means video meetings at a time that suits you.
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 6:00 AM to 4:00 PM Pacific Time in Kelowna.
The first questions
Retiring at 55 means a decade of living costs before CPP, OAS and any pension begin, so the drawdown is set out year by year, account by account.
“You cannot sustain a 30-year retirement on 2 weeks in Tuscany.”
Kaetyn St. Hilaire, CFA, in After Talking to 300+ Retirees, I'd Skip the Bucket List
British Columbia rules that shape your plan
British Columbia has seven provincial tax brackets, a probate fee that grows with the estate, and a law that lets a spouse or child challenge a will. These are the 2026 figures we plan around for BC clients.
Income tax in BC, 2026
BC taxes income at 5.6% up to $50,363, 7.7% to $100,728, 10.5% to $115,648, 12.29% to $140,430, 14.7% to $190,405, 16.8% to $265,545 and 20.5% above that. With the federal 33% top rate, the highest combined rate is 53.5%, on taxable income above $265,545.
Probate fees in BC
There is no probate fee on an estate of $25,000 or less. Above that, the fee is $6 for every $1,000 between $25,000 and $50,000, and $14 for every $1,000 above $50,000. On a $1,000,000 estate that is $13,450, which is why beneficiary designations and how accounts are owned matter more in BC.
Wills can be varied in BC
Under section 60 of BC's Wills, Estates and Succession Act, a spouse or child can ask the court to vary a will that does not make adequate provision for them. The claim must be started within 180 days of the grant of probate. An estate plan for a BC family is drafted with that in mind.
Corporations in BC
Active business income in a BC corporation is taxed at 11% combined (2% provincial and 9% federal) up to the small business limit, and 27% (12% and 15%) above it.
Sources. Canada Revenue Agency, 2026 federal and British Columbia tax rates and corporation tax rates; BC Probate Fee Act, section 2; BC Wills, Estates and Succession Act, sections 60 and 61. Figures are for 2026 and change each January.
Services for clients in Kelowna
Every service is available to clients in Kelowna, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions from Kelowna
Honest answers to the questions we hear most often.
No. Meetings can be held in person in Calgary or virtually anywhere in British Columbia, so clients in Kelowna can do everything by video.
Start with the questions a good planner should be asking you, about your income, your corporation, your timeline and your family (see questions your last advisor never asked). Then check the basics: registration with Designed Securities Ltd., regulated by CIRO and a member of CIPF, how fees are charged, and whether the plan covers tax, retirement, insurance and estate together.
Yes. Under section 60 of the Wills, Estates and Succession Act, a spouse or child can ask the court to vary a will that does not make adequate provision for them, within 180 days of the grant of probate. We plan the estate side with your lawyer so the will and your account designations work together.
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.
There is no national retirement number. The right figure is built from your actual spending, your account structure, your tax exposure and how long the money has to last, including the years before CPP and OAS begin.
Around Kelowna
Also serving near Kelowna
The same video meetings are available in West Kelowna, Vernon, Lake Country and Penticton, and anywhere else in British Columbia.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to people aiming to retire at 55.
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.