Plan Today
For Smoother Waters Tomorrow.

Business Owners & Executives

Customized financial solutions  to help optimize your wealth, tax efficiency and safeguard your business.

Incorporated Professionals

Financial advice and guidance designed exclusively to protect your practice and increase your personal cash flow.

Individuals & Families

Tailored financial strategies to help you grow your net worth and insurance protection to provide you with peace of mind.

Our team of professionals at WhiteWater Financial ensures that the wealth accumulated in your individual or business portfolio remains in your hands and for future generations.

Corporate Wealth Navigation Strategy

For affluent clients, our Wealth Navigation Strategy is an attractive structure to obtain insurance, invest the borrowed funds and utilize significant tax deductions.

Our Approach

Plan today for smoother waters tomorrow. Our strategies help affluent entrepreneurs and families optimize their wealth, tax efficiency and risk planning for this generation and future generations.

WhiteWater Financial is comprised of a dedicated team of financial advisors who specialize in implementing sophisticated financial strategies for our affluent clients.

Ryan has provided a solid foundation for my financial goals and life insurance requirements. He understands my goals, and my family needs. He has come back to me time, and time again, with investment and insurance products that have fit both my budget and needs. I appreciate that he took the time to sit with me around my busy schedule. He explained all my options at a very understandable level and took the time to get granular with details of the services I was best fit for. My life plan, and financial goals are very clear to me now, and I thank him for that. Ryan has made special trips from Toronto to Waterloo for my business and touches base with me every couple of months to see if things have changed or just to catch up and say a simple, ‘hello’ which these days is really appreciated when you are spending money every month on something. I recommend Ryan to my friends and family, and have recommended him at work for our Benefits program. Ryan successfully completed the launch of our benefits program early in 2010 and we can’t thank him enough. He put countless hours into designing the perfect plan for our staff, and provided a very fair price. Thanks for all your hard work Ryan. I really appreciate everything, and sleep well at night knowing that my family is looked after for years to come. I wish Ryan success and happiness in your business of helping others.

The WhiteWater team has provided us with investment advice, business advice and insurance recommendations for years.  Their entire team is invested in us as clients and is always available to help find the solution or the right person who can.  They keep very current on all products, services and opportunities and recommend only those that will help us better meet our goals.

Ryan has been a great pleasure to work with while implementing a Group Benefits plan at Fibernetics. It was a new project for Fibernetics, and would be many of our staff’s first experience with a benefit package. He basically held my hand the entire time while we sourced out an Insurance company and designed our plan. Ryan also took the time to meet each of our staff through information sessions when it was finally time to hand out the benefits cards to everyone. Thank-you Ryan for all of your help and support throughout this process!!

I have worked with WhiteWater Financial for multiple years both on a personal and business platform and I have always felt a great sense of confidence and security with the entire team.  It doesn’t matter how big or small the financial decision, everyone has always been eager to help us every step of the way.   It is very apparent to me that the level of dedication that WhiteWater feels towards their clients is very high; I value that tremendously!  I never have to wait a day, let alone an hour before I hear back from someone when I have a question or concern.  They are a phenomenal group of people who I will continue to work with for many years to come!

Ryan is awesome. Very well educated and a very big help.

We have found WhiteWater to be fantastic. Through their recommended support people our financial growth has been amazing. We recommend WhiteWater to everyone we know.

Ryan Stover has been involved with our companies benefits insurance and employee financial planning since 2005. He always has time to answer questions and is highly knowledgeable, giving expert advice to all our staff.

I have used Ryan for my insurance over the past seven years combining all of my plans from other advisors under him and have had peace of mind knowing that I am getting the best value and coverage based on what is on the market. Ryan continues to keep me updated on any changes or programs that I should be aware of to either expand my coverage or reduce the costs of current coverage. Best advisor I have worked with that cares about his clients

I am an owner of a rapidly growing tech company. Ryan was brought on to help us sort out benefits and insurance for our organization. Working with our HR department he managed to keep the strategy simple to incorporate and we are all pleased with his dedication to servicing our account.