Our Team

ADVISORY TEAM

CHRISTOPHER ANNETT, CHS

PRINCIPAL

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

E: Chris@wwfgroup.ca

T: (519) 804-9060

RYAN STOVER, HONS BBA

PRINCIPAL

Ryan has been helping clients of all ages and all levels of wealth, complete robust personalized plans and maximize their net-worth, since 2002.  Ryan is dedicated to helping our clients better understand and achieve their personal and financial goals.

E: Ryan@wwfgroup.ca

T: (519) 804-9060

CORBIN CARLYON

FINANCIAL ADVISOR

Corbin Carlyon is a Financial Advisor at Whitewater Financial, where he joined in June 2023. He is dedicated to helping clients from diverse backgrounds organize their finances and implement tax-efficient wealth strategies. Beyond work, Corbin enjoys snowboarding in the winter, and golfing and cycling in the summer, while cherishing quality time with family and friends.

E: corbin@wwfgroup.ca

T: (519) 804-9060

VIRGINIA HUM, B.Comm, CFP, FMA, CLU, CFDS

ADVANCED MARKETS STRATEGIST – INSURANCE

Virginia is dedicated to helping advisors successfully grow their business. With over 30 years of industry experience, it’s a goal she accomplishes with ease. After all, she has first-hand knowledge of what it takes to get advisors to the next level.

Virginia started in the business as an advisor herself and has spent much of her time training them. She’s worked at multiple insurance manufacturers and has developed insurance products. As the Advanced Markets Strategist specializing in insurance with Financial Horizons, she offers colleagues the benefit of her experience working with top advisors in advanced markets.

Virginia has a Bachelor of Commerce degree from Concordia University. She’s also a Certified Financial Planner (CFP), a Financial Management Advisor (FMA), a Chartered Financial Divorce Specialist (CFDS), a Chartered Life Underwriter (CLU) and a member of Advocis and the Conference for Advanced Life Underwriting (CALU). She is also part of the CALU Associates Technical Education Committee.

Virginia is an enthusiastic and hard-working individual who’s proud to be a part of Financial horizon’s team of professionals who help advisors grow their business.

E: virginia@wwfgroup.ca

T: (519) 804-9060

ADMINISTRATIVE TEAM

HOLLY CAETANO

BUSINESS DEVELOPMENT MANAGER

Holly started in the financial industry in 1998.  She has built a solid foundation and reputation in the areas of business development, marketing and client relations over the past 20+ years.  Holly manages the administration of life and risk products.  She is actively involved in the marketing initiatives of the company and is responsible for the planning and implementation of various marketing programs.

E: Holly@wwfgroup.ca

T: (519) 804-9060

DAISY MACARAEG

CLIENT CARE MANAGER

Daisy has an excellent working knowledge of overall customer management processes, operational management processes, as well as customer service.  She manages our Group clients, as well as the administration of our Investment business.

E: Daisy@wwfgroup.ca

T: (519) 804-9060

VALMIRA KIRBINI

CONTROLLER

Valmira has 16+ years of experience in Finance, managing accounts payable & receivable, cash flow, budget reconciliation, payroll, detailed project budgeting and overseeing bookkeeping functions for small to medium businesses.

She has also spent the last 9 years helping YHE grow by implementing strong financial and budgeting rigour and processes.

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 personalized 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.