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Chris Annett and Ryan Stover are the founders of WhiteWater Financial, which was established in October 2015. 

They share an extensive background in wealth management, financial protection, as well as individual and corporate planning. Chris and Ryan believe in providing clients strong, reliable, trustworthy and forward-thinking solutions for their most significant financial decisions.



Life Insurance Advisor, WhiteWater Financial (1509269 Ontario Inc.)

Chris has been in the financial industry since 1998. He believes in offering clients financial solutions through a team approach, and is dedicated to working with clients in need of estate planning, corporate insurance planning, risk management and portfolio analysis solutions.

Chris is recognized as one of the top advisors for one of Canada’s largest insurance companies and is a sought-after national speaker on risk management, wealth management, and financial planning. A true believer in giving back, Chris actively looks for ways to contribute to the Waterloo Region in Ontario.



Mutual Funds Advisor, Manulife Securities Investment Services Inc.
Life Insurance Advisor, WhiteWater Financial (1509269 Ontario Inc.)

Ryan is passionate about helping clients of all ages and all levels of wealth complete robust financial plans, minimize taxes and maximize their net-worth. He has worked in the financial planning industry since 2002. Following several years at a major life insurance company, Ryan began building his own practice.

Forward-thinking and committed to his work, Ryan continues to sharpen his skills with industry training throughout his career. He received his Honours Bachelor of Business Administration (Hons. BBA) from Wilfrid Laurier University in 1999. Ryan can help you better understand and achieve your personal and financial goals.