Our team

The representatives on our team take pride in helping you get the most out of your policies and financial plans. You can trust us to make sure you have the right coverage and investments to take care of the people and things you care about most. Get personalized service with one-on-one advice and clear answers to your insurance and investment questions. When you choose The Co-operators, you’re choosing a dedicated team that’s on your side, ready to help you make confident financial choices. Connect with us today.

Joseph Balan

Joseph Balan

Financial Advisor, CHS, CIP, CLU®
Kitchener

Joseph provides holistic Financial and Estate Planning services, and pr ides himself on providing the highest level of service to all his clients by building long-term relationships and putting the utmost stress on o ur core values... "Care, Confidence, and Security."


Joseph is a Chartered Insurance Professional (CIP), which is the benchmark of insurance professionalism. He is also a Chartered Life Underwriter (CLU). CLU designation holders are regarded as elite professional Financial Advisors who specialize in developing effective solutions for individuals, business owners, and professionals in the areas of risk management, wealth creation and preservation, estate planning, and wealth transfer. Joseph also holds the Certified Health Insurance Specialist (CHS) designation. CHS holders provide expertise in all areas of health insurance, including Group Benefits, Critical Illness and Disability insurance.


His key specializations include: Advanced Estate Planning and Wealth Transfer Management, Retirement Planning, Financial Planning, Business Succession Planning, Group Benefits, Life and Health Insurance, Commercial General Liability, and Errors and Omissions Liability.


He takes pride in being able to provide financial security to Canadian families and businesses by recommending adequate insurance and investment solutions to help build and preserve their wealth.


Much of his spare time is spent playing soccer, attending Toronto FC and other sports matches, and golfing when he can. He has a passion for non-profit organizations, and is active in the community in many ways.

Joseph provides holistic Financial and Estate Planning services, and pr ides himself on providing the highest level of service to all his clients by building long-term relationships and putting the utmost stress on o ur core values... "Care, Confidence, and Security."


Joseph is a Chartered Insurance Professional (CIP), which is the benchmark of insurance professionalism. He is also a Chartered Life Underwriter (CLU). CLU designation holders are regarded as elite professional Financial Advisors who specialize in developing effective solutions for individuals, business owners, and professionals in the areas of risk management, wealth creation and preservation, estate planning, and wealth transfer. Joseph also holds the Certified Health Insurance Specialist (CHS) designation. CHS holders provide expertise in all areas of health insurance, including Group Benefits, Critical Illness and Disability insurance.


His key specializations include: Advanced Estate Planning and Wealth Transfer Management, Retirement Planning, Financial Planning, Business Succession Planning, Group Benefits, Life and Health Insurance, Commercial General Liability, and Errors and Omissions Liability.


He takes pride in being able to provide financial security to Canadian families and businesses by recommending adequate insurance and investment solutions to help build and preserve their wealth.


Much of his spare time is spent playing soccer, attending Toronto FC and other sports matches, and golfing when he can. He has a passion for non-profit organizations, and is active in the community in many ways.

Jessica Reis

Jessica Reis

Associate Insurance Advisor
Kitchener
Jamie Terdik

Jamie Terdik

Associate Insurance Advisor
Kitchener
Graham Marks

Graham Marks

Associate Financial Advisor
Kitchener