Financial advisor in Oakville
Wealth built one complication at a time.
Kaetyn St. Hilaire, CFA, and OneSixty Wealth work with physicians, business owners and high earners across Ontario, Oakville included. Personal and corporate accounts are planned together, under Ontario's tax and estate rules.
How we work with clients in Oakville
Oakville is in Halton Region on Lake Ontario, between Mississauga and Burlington. It counted 213,759 residents in the 2021 Census, up 10.3% from 2016.
Where the work usually begins
With a large RRSP, it starts with the low-income years between leaving work and 71, drawing registered savings down at a bracket you choose before the RRIF minimum sets your income floor.
No travel needed
Kaetyn works with clients across Canada, and meetings can be held virtually anywhere in Ontario. For clients in Oakville, that means video meetings at a time that suits you.
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 Oakville.
In person in Calgary
If you would rather sit across the table, meetings can be held in person in Calgary.
“Deferral feels like winning, but deferral is not the same as avoidance.”
Kaetyn St. Hilaire, CFA, in Paying Too Much in Taxes? Here's How Wealthy Canadians Legally Pay Less
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.
Services for clients in Oakville
Every service is available to clients in Oakville, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions from Oakville
Honest answers to the questions we hear most often.
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. Meetings can be held virtually anywhere in Ontario, including Oakville, 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 Oakville.
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.
None on an estate of $50,000 or less, then $15 for every $1,000 above $50,000. A $1,000,000 estate pays $14,250. With multiple wills, only the assets in the will being probated are counted, so a second will for assets such as private company shares is common in Ontario estate plans.
Deliberately withdrawing from an RRSP or RRIF during low-income years, usually between leaving work and 71, paying tax at a bracket you have chosen, and moving the after-tax amount into a TFSA or a non-registered account. It does not suit a modest registered balance or a window already filled with other income.
Around Oakville
Also serving near Oakville
The same video meetings are available in Milton and Halton Hills, and anywhere else in Ontario.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to retirees drawing down large registered accounts.
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.