Plan Today
For Smoother Waters Tomorrow.

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.

We can help you make financial decisions effectively, to minimize your taxes. For business owners, the challenge is tax efficiency. Questions such as “I have retained earnings inside my corporation, how do I access this money in the most tax-efficient way possible?” or “How do I get my surplus money working for me?”

We provide strategies to reduce taxes, utilizing life insurance, critical illness insurance, tax-efficient investing, and integrated personal and corporate planning.

Risk management isn’t just for large companies – it is an integral part of planning for everyone! Of course, you can’t prepare for every unexpected event, but you can do your best to be financially prepared for it.

We can discuss different types of insurance with you, such as disability, critical illness, and life insurance, to provide you, your family, or your business, with the proper protection.

Estate planning is a must no matter what stage of life you’re at. We can help you make a list of your assets and liabilities, talk to you about how to choose an executor, and figure out the best way to minimize the impact of taxes on your estate. Some strategies to reduce taxes include considering trusts and estate freezes. We also review what the options are to pay for final taxes, including life insurance, borrowing, or saving up.  

Estate planning can also include essential steps, like setting up power of attorney for your finances and your health; and assigning a guardian for your minor children. For business owners, we talk about succession planning and how to transfer your business’s ownership, management, and interest. Our discussion will include determining your objectives and the most effective strategies to achieve your goals.

There’s no one-size-fits-all planning approach when it comes to investment planning. Instead, the type of investment that works best for you depends on what you are saving for, how soon you will need your money, and what level of risk you are comfortable with!

We can help set you up in investments that fit your time horizon and risk level. We’ll also talk to you about which tax-advantaged savings vehicles such as Registered Retirement Savings Plans (RRSP), Tax-Free Savings Account (TFSA), Registered Education Savings Plan (RESP), Registered Disability Savings Plan (RDSP), and Registered Retirement Income Funds (RRIF) make the most sense for your unique situation.

Many people put off planning for retirement because it can seem overwhelming. We walk you through everything you need to know, including the types of insurance you may need to purchase and how much you can expect to bring in via your savings (RRSP, TFSA, Non-registered investments), company pension and government income sources (Canada Pension Plan, Old Age Security). We can also talk to you about the best way to handle debt and significant assets such as your home during your retirement years. 

If you run a business, you have access to additional strategies such as an Individual Pension Plan (IPP), setting up a Registered Pension Plan or leveraged life insurance to supplement your lifestyle during retirement.

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.

I have been dealing with Shea for over 20 years, and during those years Shea has been very helpful in providing sound advice and guidance. Shea genuinely loves his work, it does not matter what you are looking for, he will find a solution to your needs. Even when the markets are down, he still manages excellent growth in my portfolio, due to his diligence and constant quest for additional knowledge in the financial marketplace. 

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.

I have been investing with Shea since he was a young man first starting out in this business over 20 years ago. I believe it was one of the best decisions I have made concerning my finances. He makes himself available whenever I need his advice and he has helped me make decisions about estate planning, life insurance as well as investments. I have recommended Shea to family & friends and will continue to do so. 

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!

Shea has been managing our investments for many years. We are very happy with the results and our investments are growing. Shea is very energetic and keeps abreast with the market. He keeps us well informed as to where to invest so that it will benefit us. We have and will continue to recommend Shea. Investing with Shea was a very wise decision. 

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.

Deciding to invest with Shea over 20 years ago was not by chance, but by choice. While I understand the basics of investing, I have other interests to look after which occupies a lot of my time. Having Shea manage my portfolio has given me peace of mind and I personally recommend anyone to invest and trust Shea as he is honest and very knowledgeable in every aspect of what he does. 

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.

I have been investing with Shea for over 20 years and have been very satisfied with my decision ever since. He has always provided sound financial advice and has guided me with decisions about my estate planning, insurance, and investments. He has been tremendously supportive during major life events, including my divorce, and immediately assisted when I had to make a claim on my critical illness insurance policy. Both Shea and his assistant Cassi have become like family and are always available to me. I cannot highly recommend them enough.