Financial advisor in Waterloo
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 Waterloo. Kaetyn St. Hilaire, CFA, works with clients across Canada and meets Waterloo clients by video.
How we work with clients in Waterloo
Waterloo is home to the University of Waterloo and Wilfrid Laurier University. It counted 121,436 residents in the 2021 Census, up 15.7% from 2016.
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 Waterloo 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 Waterloo.
Where the work usually begins
For couples with uneven incomes, it starts with income splitting: spousal RRSPs, pension income splitting after 65, and CPP sharing.
“The question is never whether you'll pay tax on your registered accounts. The question is what rate you'll pay, and whether that decision is yours or the government's.”
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.
What we plan for Waterloo clients
Every service is available to clients in Waterloo, by video.
Wealth management
Financial planning
Retirement planning
Insurance and estate
Corporate planning
Physicians and dentists
Questions about a financial advisor in Waterloo
Honest answers to the questions we hear most often.
Yes. Meetings can be held virtually anywhere in Ontario, including Waterloo, 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 Waterloo.
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.
For 2026, the highest combined federal and Ontario rate is 53.53%, on taxable income above $258,482, once the Ontario surtax is included. The Canada tax calculator includes the surtax for an Ontario resident.
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.
A spousal RRSP is owned by the lower-income spouse but funded by the higher-income spouse, who claims the deduction. Withdrawals are taxed in the lower-income spouse's hands once three calendar years have passed since the last contribution.
Around Waterloo
Also serving near Waterloo
The same video meetings are available in Cambridge, and anywhere else in Ontario.
Read before we meet
Kaetyn's articles and free calculators on the questions that matter most to couples with uneven incomes.
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.