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Joanne Carmichael
CPCA
Financial Advisor*
Mutual Fund Investment Specialist**
Welcome to our website.
With nearly 30 years of experience with Co-operators, I am proud to lead a dedicated team focused on helping clients protect what matters most and build financial security for the future. We provide trusted advice, personalized insurance solutions, investment products, retirement planning, and financial services tailored to the unique needs of individuals, families, farms, and businesses.
From our offices in Kemptville and Morrisburg, we proudly serve clients throughout North Grenville and the surrounding communities. Our knowledgeable specialists are dedicated to delivering exceptional service and helping clients confidently navigate financial and insurance decisions through clear, easy-to-understand guidance.
Products and Services Include:
Auto Insurance
Home Insurance
Farm Insurance
Commercial & Business Insurance
Life Insurance
Disability Insurance
Critical Illness Insurance
Group Benefits
Investment Solutions
Retirement Planning
Financial Planning
Estate Planning
We offer flexible appointment options, including after-hours meetings and are happy to connect with you in person, by phone, by email, or online.
Thank you for visiting our website. We appreciate the trust our clients place in us and look forward to helping you protect what matters most and achieve your financial goals with confidence.
Location
Kemptville
Email
Andrew Goetz
Associate Financial Advisor*
Mutual Fund Investment Specialist**
Andrew Goetz is a Licensed Financial Advisor with Co‑operators, proudly serving clients across the Kemptville and Morrisburg communities as well as other areas of Eastern Ontario.
With extensive experience in comprehensive financial planning, Andrew provides personalized guidance to individuals, families, businesses, and farm owners. His expertise includes investment management, retirement and education planning, business succession strategies and estate planning solutions. Andrew is passionate about helping clients build confidence and achieve long-term financial security.
Deeply involved in his community, Andrew values building strong, long‑term relationships both inside and outside the office. When he’s not working with clients, he enjoys playing sports and spending quality time with his three young daughters.
Connect with Andrew to start planning with confidence.
Location
Kemptville
Email
Angie Ford
Associate Insurance Agent II
Based in Kemptville, Angie Ford is a Commercial and Farm Insurance Specialist with Co‑operators, helping local business owners, farmers and organizations protect what matters most. With years of experience supporting everything from small startups to large‑scale operations, Angie delivers thoughtful, reliable coverage tailored to each client’s unique risks.
Deeply committed to her community, Angie also supports not‑for‑profit organizations and serves as Membership Coordinator for North Grenville Business Builders. As President of the Rotary Club of Kemptville, she believes insurance should provide more than coverage—it should deliver peace of mind and long‑term security.
Speciality
Business, home, farm and auto insurance
Location
Kemptville, Morrisburg
Email
Caroline Taylor
Associate Insurance Agent
Caroline is an Associate Insurance Advisor specializing in farm insurance, bringing both professional expertise and firsthand farming experience to every client relationship. Having grown up on a dairy farm, Caroline understands that a farm is more than a business—it’s a livelihood, a legacy and a way of life. That perspective shapes how she approaches insurance, with care, practicality and a deep respect for the agricultural community.
With over five years of experience in the insurance industry, Caroline helps farm owners navigate complex coverage with clarity and confidence. She takes the time to understand each client’s unique operation, risks, and goals, ensuring her advice reflects their day‑to‑day realities. Her clear communication and collaborative approach allow her to deliver prompt, reliable service in today’s fast‑paced environment.
Caroline is known for her friendly attitude, strong work ethic and attention to detail. Clients value her reliability and team‑oriented approach—particularly when reviewing coverage, answering questions, or supporting them through changes and claims. Her goal is to provide practical, forward‑thinking advice, giving clients confidence they’re well protected.
Deeply connected to her community, Caroline volunteers locally and continues to give back through her longstanding involvement in agriculture and the arts. She tours as a Highland dancer with the RCMP Pipes & Drums and proudly teaches highland dancing, sharing her passion and experience with the next generation. She also participated in 4‑H throughout her life—experiences that helped shape her leadership skills, discipline and strong sense of community.
When you work with Caroline, you’re working with someone who truly understands farm life, values long‑term relationships and is committed to protecting what matters most—today and for generations to come.
Location
Kemptville, Morrisburg
Email
Denise McLean Paynter
Associate Insurance Agent II
Denise is an Associate Insurance Agent with over 40 years of experience in the insurance industry. She works part‑time in the agency, connecting with clients to review their insurance policies and ensure coverage is up to date, discounts are applied, and any gaps in protection are identified.
A former Co‑operators office owner, Denise retired from ownership but couldn’t stay away from the industry she loves. Her passion for working with people and helping clients feel confident in their coverage brought her back in a role where she continues to make a meaningful difference.
Clients appreciate Denise’s wealth of knowledge, friendly approach, and genuine care. Her experience and attention to detail help ensure policies continue to meet clients’ needs as their lives and circumstances change.
Location
Kemptville
Email
Max Noë
Associate Insurance Agent
Max is an experienced home, farm, commercial, and auto insurance advisor who helps individuals, families, and business owners make confident decisions about their coverage. He cuts through the fine print to focus on real‑world protection—ensuring clients understand what matters most and why.
Max believes insurance should be clear, practical, and tailored to each client’s life or business, not a one‑size‑fits‑all policy. Clients appreciate his thoughtful approach: taking the time to understand their unique risks, explaining options in plain language, and recommending solutions that make sense both today and in the long run.
Outside of work, Max enjoys spending time outdoors and staying active year‑round. Whether he’s running, curling, canoeing, or playing disc golf, he enjoys keeping busy. He also runs a weekly disc golf league at Ferguson Forest and competes in tournaments across Ontario.
Connect with Max to review your coverage with confidence.
Location
Kemptville, Morrisburg
Email
Risha Navadiya
Life Insurance Specialist
Risha is a dedicated and hardworking Insurance Advisor with a strong passion for helping clients protect what matters most. She specializes in home, auto, and life insurance, and is committed to providing clear, personalized guidance that makes the insurance process simple, transparent, and stress‑free.
Risha takes a client‑first approach, focusing on building meaningful relationships and offering support with care, patience, and strong attention to detail. Her goal is to ensure every client feels confident in their coverage decisions and well supported at every stage.
Outside of her work as an insurance advisor, Risha is a plant lover and proudly takes care of the office plants—because a little greenery always helps create a brighter, more welcoming workplace.
Location
Kemptville
Email
Ryan Longstaff
Associate Insurance Agent I
Ryan Longstaff is a Home and Auto Insurance Specialist who is dedicated to helping clients find the right coverage to protect what matters most. Known for his friendly approach and commitment to exceptional service, Ryan enjoys building strong relationships with clients and making insurance easy to understand. When he's not helping clients, he's a self-proclaimed pinball wizard who loves spending time mastering classic arcade games.
Location
Kemptville, Morrisburg
Email
Sam Schapelhouman
Client Support Representative
As the first point of contact at the Co‑operators office in Kemptville, Sam Schapelhouman is truly the heart of the front office. From managing billing and customer relations to coordinating appointments with our agents, Sam takes pride in creating a welcoming, efficient experience for every client she assists. She genuinely enjoys the daily interactions and personal connections that come with serving the community.
Outside the office, Sam is a proud and busy mom to six children who are all active in competitive hockey and other sports. She values the flexibility of her role at Co‑operators, which allows her to contribute meaningfully to the office while staying actively involved with her family.
For Sam, being a dedicated professional and a committed “hockey mom” go hand‑in‑hand. She loves that her work keeps her closely connected to the community she supports, both inside and outside the office.
Location
Kemptville
Email*Offering insurance products underwritten by Co-operators General Insurance Company and Co-operators Life Insurance Company.
**Offering mutual funds through Co-operators Financial Investment Services.