Financial advisor in Lethbridge
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 Lethbridge. Kaetyn St. Hilaire, CFA, works with clients across Canada and meets Lethbridge clients by video.
How we work with clients in Lethbridge
Lethbridge, on the Oldman River in southern Alberta, counted 98,406 residents in the 2021 Census, up 6.1% from 2016. Medicine Hat, to the east, counted 63,271.
Where the work usually begins
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.
Office hours
Monday to Friday, 7:00 AM to 5:00 PM Mountain Time, with weekends by appointment. Lethbridge is on Mountain Time, the same as Calgary.
Video meetings across Alberta
Kaetyn works with clients across Canada. Meetings can be held virtually anywhere in Alberta, which is how meetings with clients in Lethbridge take place.
In person in Calgary
If you would rather sit across the table, meetings can be held in person in Calgary.
“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)
Alberta rules that shape your plan
A plan for an Alberta household is built on Alberta numbers. These are the 2026 figures we work from: a top combined tax rate of 48%, below British Columbia and Ontario, a probate fee capped at $525, and corporate rules that matter for incorporated professionals.
Income tax in Alberta, 2026
Alberta taxes income at 8% up to $61,200, 10% to $154,259, 12% to $185,111, 13% to $246,813, 14% to $370,220 and 15% above that. Federal rates run from 14% to 33% on top. The highest combined rate is 48%, on taxable income above $370,220.
Probate in Alberta
The court fee for a grant of probate or administration is set by the net value of property in Alberta: $35 up to $10,000, $135 up to $25,000, $275 up to $125,000, $400 up to $250,000, and $525 above $250,000. Because the fee stops at $525, the larger costs at death are usually the tax on registered accounts and capital gains, not probate.
Professional corporations in Alberta
Active business income in an Alberta corporation is taxed at 11% combined up to the $500,000 small business limit, and 23% above it. In Alberta, a physician's or dentist's spouse must hold non-voting shares, which shapes how a medical or dental corporation pays dividends to the family.
Sources. Canada Revenue Agency, 2026 federal and Alberta tax rates; Canada Revenue Agency, corporation tax rates; alberta.ca, surrogate court fees and corporate income tax. Figures are for 2026 and change each January.
What we plan for Lethbridge clients
Every service is available to clients in Lethbridge, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions about a financial advisor in Lethbridge
Honest answers to the questions we hear most often.
For 2026, the highest combined federal and Alberta rate is 48%, on taxable income above $370,220. Alberta's own rates start at 8% on the first $61,200. The Alberta tax calculator shows your marginal and average rate.
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.
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 Alberta, including Lethbridge, 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. Lethbridge is on Mountain Time, the same as Calgary.
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 Lethbridge
Also serving near Lethbridge
The same video meetings are available in Medicine Hat, Coaldale and Taber, and anywhere else in Alberta.
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.