Financial advisor in Oshawa
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 Oshawa. Kaetyn St. Hilaire, CFA, works with clients across Canada and meets Oshawa clients by video.
How we work with clients in Oshawa
Oshawa is the largest city in Durham Region, east of Toronto on Lake Ontario. It counted 175,383 residents in the 2021 Census, up 10.0% from 2016.
Where planning often starts
It starts with your own numbers, not a national average: your income, your timeline, your goals and your actual spending.
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 Oshawa take place.
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 Oshawa.
In person in Calgary
If you would rather sit across the table, meetings can be held in person in Calgary.
“A bigger balance alone doesn't make a plan sustainable. Fit does.”
Kaetyn St. Hilaire, CFA, in How Many Canadians ACTUALLY Retire With $1 Million or More
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 Oshawa clients
Every service is available to clients in Oshawa, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions about a financial advisor in Oshawa
Honest answers to the questions we hear most often.
No. Average includes a wide range of outcomes, including retirees who struggle. A plan built around your income, your timeline, your goals and your actual spending tells you far more than a national average.
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, by video. Kaetyn works with clients across Canada, and meetings can be held virtually anywhere in Ontario. If you would rather meet in person, meetings are held in 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.
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.
Around Oshawa
Also serving near Oshawa
The same video meetings are available in Whitby, Ajax, Pickering and Clarington, and anywhere else in Ontario.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to people checking whether they are on track.
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.