Financial advisor in Toronto
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 Toronto. Kaetyn St. Hilaire, CFA, works with clients across Canada and meets Toronto clients by video.
How we work with clients in Toronto
Toronto is the capital of Ontario and the largest city in Canada, with 2,794,356 residents in the 2021 Census. For clients in Toronto, meetings are held over video.
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 Toronto 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 9:00 AM to 7:00 PM Eastern Time in Toronto.
Where planning often starts
When much of your wealth sits in your home, the plan weighs paying down the mortgage against investing, alongside RRSP and TFSA room.
“Average is not the middle of success. Average is the middle of all outcomes, including the bad ones.”
Kaetyn St. Hilaire, CFA, in What's the Average Canadian Net Worth at 30, 40, 50 and 65?
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 Toronto clients
Every service is available to clients in Toronto, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions about a financial advisor in Toronto
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 Ontario. 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.
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.
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.
Absolutely. Many of our clients came to us looking for a second opinion. We'll review your current holdings, fees, and strategy and give you honest feedback, even if that means telling you to stay where you are.
Around Toronto
Also serving near Toronto
The same video meetings are available in Vaughan, and anywhere else in Ontario.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to households whose wealth sits partly in their home.
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.