Financial advisor in St. John's, NL
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 St. John's, NL. Kaetyn St. Hilaire, CFA, works with clients across Canada and meets St. John's, NL clients by video.
How we work with clients in St. John's, NL
St. John's is the capital and largest city of Newfoundland and Labrador, on the Avalon Peninsula. It counted 110,525 residents in the 2021 Census.
Video meetings across Newfoundland and Labrador
Kaetyn works with clients across Canada. Meetings can be held virtually anywhere in Newfoundland and Labrador, which is how meetings with clients in St. John's, NL take place.
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 10:30 AM to 8:30 PM Newfoundland Time in St. John's, NL.
Where planning often starts
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.
“The biggest tax bill in retirement doesn't come from one giant mistake. It comes from a series of small decisions that quietly stack up over 20 or 30 years.”
Kaetyn St. Hilaire, CFA, in The ONE Trick Can Save Canadian Retirees Thousands in Taxes
Newfoundland and Labrador rules that shape your plan
Newfoundland and Labrador has eight provincial tax brackets and the highest top combined rate in Canada, with a probate fee of about 0.6% of the estate. These are the 2026 figures we plan around for clients in the province.
Income tax in Newfoundland and Labrador, 2026
The province taxes income at 8.7% up to $44,678, 14.5% to $89,354, 15.8% to $159,528, 17.8% to $223,340, 19.8% to $285,319, 20.8% to $570,638, 21.3% to $1,141,275 and 21.8% above that. With the federal 33% top rate, the highest combined rate is 54.8%, on taxable income above $1,141,275.
Probate in Newfoundland and Labrador
Under the Services Charges Act, the fee is $60 on the first $1,000 and $0.60 for every $100 above that, or 0.6%. On a $1,000,000 estate that is $6,054.
Corporations in Newfoundland and Labrador
The small business rate fell from 2.5% to 2.0% on January 1, 2026. Active business income is taxed at 11% combined up to the $500,000 small business limit, and 30% (15% provincial and 15% federal) above it.
Sources. Canada Revenue Agency, 2026 federal and Newfoundland and Labrador tax rates and corporation tax rates; Newfoundland and Labrador Services Charges Act, section 4. Figures are for 2026 and change each January.
What we plan for St. John's, NL clients
Every service is available to clients in St. John's, NL, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions about a financial advisor in St. John's, NL
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 Newfoundland and Labrador. If you would rather meet in person, meetings are held in Calgary.
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.
$60 on the first $1,000 of the estate, then $0.60 for every $100 above that, or 0.6%. A $1,000,000 estate pays $6,054.
There are no hidden fees: we explain every cost before you commit to anything, including our advisory fee and fund costs. Investment management is fee-based, as a percentage of assets under management, and financial planning and insurance services may have separate fee structures. The first conversation is a free, no-obligation review.
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 St. John's, NL
Also serving near St. John's, NL
The same video meetings are available in Mount Pearl, Paradise, Conception Bay South and Torbay, and anywhere else in Newfoundland and Labrador.
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.