Financial advisor in Red Deer
Wealth built one complication at a time.
Kaetyn St. Hilaire, CFA, and OneSixty Wealth work with physicians, business owners and high earners across Alberta, Red Deer included. Personal and corporate accounts are planned together, under Alberta's tax and estate rules.
How we work with clients in Red Deer
Red Deer sits on Highway 2 between Calgary and Edmonton. With 100,844 residents in the 2021 Census, it is Alberta's third-largest city.
No travel needed
Kaetyn works with clients across Canada, and meetings can be held virtually anywhere in Alberta. For clients in Red Deer, that means video meetings at a time that suits you.
Where planning often starts
For business owners, the largest variable is usually the exit: shares or assets, the lifetime capital gains exemption, and whether the sale happens on your timeline or someone else's.
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. Red Deer is on Mountain Time, the same as Calgary.
“You cannot plan around gains you haven't measured.”
Kaetyn St. Hilaire, CFA, in Canada’s Capital Gains Tax: The Silent Killer of Your Wealth?
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.
Services for clients in Red Deer
Every service is available to clients in Red Deer, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions from Red Deer
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 Alberta. If you would rather meet in person, meetings are held in Calgary.
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, with a limit: in Alberta, a physician's or dentist's spouse must hold non-voting shares. The structure is set with your lawyer and accountant, and we plan the salary and dividend mix around it.
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.
We generally work with clients who have $500,000+ in investable assets or a household income of $200,000+. That said, we're happy to have an introductory conversation regardless. Sometimes the right time to start planning is before you've accumulated significant wealth.
Around Red Deer
Also serving near Red Deer
The same video meetings are available in Sylvan Lake, Lacombe and Innisfail, and anywhere else in Alberta.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to business owners and incorporated professionals.
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.