Your Partner
In Success
At Waterhouse & Associates, we believe financial guidance should go beyond conventional strategies. Our approach is built on experience, thoughtful planning, and a commitment to helping clients navigate complex financial decisions with confidence.
About
Waterhouse & Associates was founded in 2012, following more than a decade of experience in the personal injury space. Through that work, we identified a clear gap—individuals receiving personal injury settlements often lacked access to the guidance and financial solutions needed to manage those funds with confidence.
That insight became the foundation of our firm.
Settlement Fund Management and Financial Counselling remain central to our work today. Building on this foundation, our practice has expanded to deliver comprehensive wealth and insurance solutions for individuals, families, and businesses across Canada.
As we’ve grown, we have been intentional in establishing a network of trusted professionals capable of supporting all insurance and wealth management needs for individuals and corporations, guided by a consistent philosophy and approach. This network is modular by design—we are equally comfortable working alongside existing resources and selectively adding the expertise required to strengthen a client’s overall plan.
At Waterhouse & Associates, our approach is grounded in experience, shaped by real-world challenges, and focused on delivering practical, thoughtful solutions aligned with each client’s goals.
Meet Our TeamMichael Waterhouse
H.B.Sc (HK)
Michael Waterhouse holds a degree in Health Sciences and brings a diverse background spanning disability management, financial services, and personal injury planning. His early career included hands- on clinical work and future cost of care assessments, giving him a clear understanding of the challenges individuals face following injury.
He later transitioned into the financial sector, gaining experience in employee benefits and pension management before returning to focus on personal injury clients—supporting their financial needs throughout the claims process and beyond. Through this work, Mike built strong relationships with legal professionals and expanded his expertise into individual and corporate wealth, insurance, and tax and estate planning.
Over time, Michael has developed a network of trusted, like-minded professionals, including estate and tax specialists, estate lawyers, accountants, and personal injury professionals. Today, through Waterhouse & Associates, he leads a collaborative team delivering integrated, modular solutions for personal injury clients, individuals seeking wealth and insurance strategies, and corporations focused on tax-efficient planning and generational wealth transition. The firm is equally comfortable working alongside existing stakeholders or introducing the right professionals to strengthen and complete a client’s advisory team.
Outside of his professional work, Michael enjoys time on the water sailing, golfing, coaching and playing volleyball—but most of all, spending time with his family.
Meet the Team
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Ellery Oickle
CEA, EPC, CPCA
With over 30 years of experience, Ellery delivers coordinated, tax-efficient strategies across insurance, taxation, accounting, and wealth management—working alongside your existing stakeholders to protect what you’ve built.
His focus is on helping individuals and family-run businesses prepare for the future. From succession and retirement to unforeseen risks, he designs practical, executable plans that safeguard your current position, preserve wealth, and ensure a strategic transition to the next generation.
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Noreen Gill
CEA, EPC, CPCA
Bringing more than three decades of experience, Noreen delivers integrated, tax-aware solutions spanning insurance, accounting, taxation, and wealth management. She works in close coordination with your current stakeholders to strengthen and protect the foundation you’ve built.
Noreen’s work centers on guiding individuals and family-owned businesses through forward-looking planning. From succession and retirement to managing unexpected challenges, she creates clear, practical strategies that help maintain your financial position, preserve long-term wealth, and support a seamless transition to the next generation.
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Erin McNamara
Barrister & Solicitor, McNamara Law
Erin is a graduate of Queen’s Faculty of Law and a member in good standing of the Law Society of Ontario, County of Carleton Law Association. Her practice focuses on estate planning, working closely with clients to develop tailored strategies for both simple and complex estates.
In addition to her legal practice, Erin serves as an adjunct professor at the University of Ottawa Faculty of Law, where she teaches Wills and the Law of Succession. She is also actively involved in the community, providing pro bono services to Able2. Outside of work, Erin enjoys singing, acting in community theatre productions, spending time with family and friends, and of course, her beloved pets.
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Owen Waterhouse
Associate Advisor
Owen is a financial advisor specializing in individual insurance solutions, focused on helping clients protect what matters most through practical, tailored planning. He earned his life and health insurance license while completing his commerce degree, reflecting an early commitment to the industry.
With prior experience as a business owner, Owen brings a strong client-first mindset and entrepreneurial perspective to his work. Alongside advising clients, he is passionate about training new advisors, particularly in insurance products and industry compliance.
Outside of work, Owen enjoys basketball, volleyball, and fishing.
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Robert LaBrecque
519-890-9763
With over 40 years in rehabilitation and litigation services, Robert specializes in improving injury management outcomes and supporting personal injury law firms through streamlined operations, access to services, and financial solutions.Outside of work, my wife Cindy and I have fostered over 200 children over 42 years, including two decades in therapeutic care. He has also spent 30+ years organizing stand-up comedy fundraisers for organizations like the Canadian Cancer Society and United Way.
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Nitin Panchal
Nitin leads Circle Bay Medical, providing virtual physician services to patients without access to a family doctor. His team supports clients with medical documentation, including Disability Tax Credit applications.
years of experience
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Our Core
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Let’s start the conversation.
Whether you're planning ahead or navigating a complex financial situation, we’re here to help you move forward with clarity and confidence.