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.

Phil Ryan

Phil Ryan

Financial Advisor*
Mutual Fund Investment Specialist**
Embrun

Phil began answering the Co-operators phone at age nine (1980). His father, Marc, was a local Co-operators agent in Embrun, ON, serving clients with their insurance needs from his home office. It was fun and gave Phil an early introduction to talking and interacting with clients, taking payments, and transferring messages. All without computers and the Internet!

After a student exchange program in Bangkok, Thailand, Phil completed a Bachelor of Commerce degree at the University of Ottawa. Economics and the financial markets (fixed income and stock markets) were his favorite topics.

In spring 1994, he joined Co-operators. Then, one of his new clients had an automobile accident. He was a high-school friend and was quite impressed by the claims service. Phil felt rewarded and understood that he had made a difference by advising his client to purchase the right coverage. It was an eye opener that made Phil realize the importance of the role of an insurance advisor in our society. At that point, he put aside other avenues (bank manager, stockbroker and construction), started selling insurance and decided to pursue his career with Co-operators.

Today, the same passion animates him. With over 2,000 clients, the team works hard to provide personalized service and help each client choose the right products for their insurance and financial needs.

Phil is surrounded by a team that stays true to their mission to provide financial security for Canadians and their communities. He spends most of his time helping clients make financial plans so they can reach their goals, such as retiring comfortably. He also enjoys helping clients maximize their standard of living with proactive financial and estate planning.

Phil loves spending time with his two teenagers, as well as playing hockey, cross-country biking and wake-surfing at the cottage.

He currently serves on the board of directors of the Unique FM radio station and is a member of Entrepreneurs' Organization (Ottawa).

Phil began answering the Co-operators phone at age nine (1980). His father, Marc, was a local Co-operators agent in Embrun, ON, serving clients with their insurance needs from his home office. It was fun and gave Phil an early introduction to talking and interacting with clients, taking payments, and transferring messages. All without computers and the Internet!

After a student exchange program in Bangkok, Thailand, Phil completed a Bachelor of Commerce degree at the University of Ottawa. Economics and the financial markets (fixed income and stock markets) were his favorite topics.

In spring 1994, he joined Co-operators. Then, one of his new clients had an automobile accident. He was a high-school friend and was quite impressed by the claims service. Phil felt rewarded and understood that he had made a difference by advising his client to purchase the right coverage. It was an eye opener that made Phil realize the importance of the role of an insurance advisor in our society. At that point, he put aside other avenues (bank manager, stockbroker and construction), started selling insurance and decided to pursue his career with Co-operators.

Today, the same passion animates him. With over 2,000 clients, the team works hard to provide personalized service and help each client choose the right products for their insurance and financial needs.

Phil is surrounded by a team that stays true to their mission to provide financial security for Canadians and their communities. He spends most of his time helping clients make financial plans so they can reach their goals, such as retiring comfortably. He also enjoys helping clients maximize their standard of living with proactive financial and estate planning.

Phil loves spending time with his two teenagers, as well as playing hockey, cross-country biking and wake-surfing at the cottage.

He currently serves on the board of directors of the Unique FM radio station and is a member of Entrepreneurs' Organization (Ottawa).

Audrey Courneyea

Audrey Courneyea

Associate Insurance Advisor
Embrun
Emilie Morin

Emilie Morin

Associate Insurance Advisor
Embrun
Audrey Courneyea

Audrey Courneyea

Associate Insurance Advisor
Embrun

Audrey joined the philryan.ca team in January 2022 as an Associate Insurance Advisor. She plans to continue her studies with the University of Ottawa’s Telfer faculty. She deeply cares about customer service and is pleased to contribute to a team that prioritizes every client's needs. With her compassion and positivity, Audrey is always ready to offer her help and advice to clients. 


Outside of work, Audrey enjoys spending time with her friends and family, staying active, and dancing. She is a part-time dance teacher at Maison des Arts in Embrun on the competitive team. 

Audrey joined the philryan.ca team in January 2022 as an Associate Insurance Advisor. She plans to continue her studies with the University of Ottawa’s Telfer faculty. She deeply cares about customer service and is pleased to contribute to a team that prioritizes every client's needs. With her compassion and positivity, Audrey is always ready to offer her help and advice to clients. 


Outside of work, Audrey enjoys spending time with her friends and family, staying active, and dancing. She is a part-time dance teacher at Maison des Arts in Embrun on the competitive team. 

Camille Bieman

Camille Bieman

Associate Insurance Advisor
Embrun

Camille joined the philryan.ca. team in January 2020 as an Associate Insurance Advisor. With eight years of experience as a commercial broker, Camille is a perfect addition to our team. With her great attention to detail and professionalism, she is always motivated to offer her advice and help to clients.

Outside of work, Camille enjoys spending time gardening, reading, making arts and crafts, and camping with her family. As a sports fan, Camille is a proud supporter of the Prescott Russell Basketball Club (PRBC). She is also a member of Business Sisters, a community for rural women entrepreneurs.

Camille joined the philryan.ca. team in January 2020 as an Associate Insurance Advisor. With eight years of experience as a commercial broker, Camille is a perfect addition to our team. With her great attention to detail and professionalism, she is always motivated to offer her advice and help to clients.

Outside of work, Camille enjoys spending time gardening, reading, making arts and crafts, and camping with her family. As a sports fan, Camille is a proud supporter of the Prescott Russell Basketball Club (PRBC). She is also a member of Business Sisters, a community for rural women entrepreneurs.

Joël Charbonneau

Joël Charbonneau

Associate Financial Advisor*
Mutual Fund Investment Specialist**
Embrun
Jade St-Pierre

Jade St-Pierre

Associate Insurance Advisor
Embrun

Jade joined the philryan.ca team in January 2021 as a client contact representative. She plans to continue her studies with the University of Ottawa's Marketing program. She deeply cares about customer service and is proud to contribute to a team that is always willing to help clients. Jade is proactive and motivated to assist clients with great enthusiasm.

Outside of work, Jade enjoys spending time with her family, relaxing at the cottage, shopping, and staying active by working out and playing volleyball. She was selected to play volleyball for team Ontario at the FESFO games. Jade also has her own small business on Instagram where she handpicks clothes and re-sells them with the help of her friend.

Jade joined the philryan.ca team in January 2021 as a client contact representative. She plans to continue her studies with the University of Ottawa's Marketing program. She deeply cares about customer service and is proud to contribute to a team that is always willing to help clients. Jade is proactive and motivated to assist clients with great enthusiasm.

Outside of work, Jade enjoys spending time with her family, relaxing at the cottage, shopping, and staying active by working out and playing volleyball. She was selected to play volleyball for team Ontario at the FESFO games. Jade also has her own small business on Instagram where she handpicks clothes and re-sells them with the help of her friend.

Mika Leclair

Mika Leclair

Associate Insurance Advisor
Embrun

Mika joined the philryan.ca team in April 2021 as an Associate Insurance Advisor. She plans to continue her studies with the University of Ottawa's Nursing program. She's passionate about customer service and enjoys building relationships with clients. With her brilliant mind and great communication skills, she's always ready to offer her advice and help to clients. 

Outside of work, Mika enjoys spending time with her family, as well as staying active by working out.

Mika joined the philryan.ca team in April 2021 as an Associate Insurance Advisor. She plans to continue her studies with the University of Ottawa's Nursing program. She's passionate about customer service and enjoys building relationships with clients. With her brilliant mind and great communication skills, she's always ready to offer her advice and help to clients. 

Outside of work, Mika enjoys spending time with her family, as well as staying active by working out.

Mélanie Gravel

Mélanie Gravel

Associate Insurance Advisor I
Embrun

Melanie joined the philryan.ca team in April 2021 as an Associate Insurance Advisor. She deeply cares about customer service, and having the opportunity to create relationships with clients seemed like a great experience for her. With her amazing patience and enthusiasm, she is always ready to offer her advice and help to clients. 

Outside of work, Melanie enjoys spending time with her friends and family. She also enjoys reading novels, as well as camping with her husband.

Melanie joined the philryan.ca team in April 2021 as an Associate Insurance Advisor. She deeply cares about customer service, and having the opportunity to create relationships with clients seemed like a great experience for her. With her amazing patience and enthusiasm, she is always ready to offer her advice and help to clients. 

Outside of work, Melanie enjoys spending time with her friends and family. She also enjoys reading novels, as well as camping with her husband.

Veronic Cardarelli

Veronic Cardarelli

Associate Financial Advisor
Embrun

Véronic obtained a bachelor’s degree in Psychology and Criminology, as well as a bachelor’s degree in Public Administration at the University of Ottawa.

Véronic joined the philryan.ca team in 2003 as a client contact representative. Today, she has over 17 years of experience and is office manager and Associate Financial Advisor. 

Véronic deeply cares about customer service and is proud to contribute to a team that is always willing to help clients. She is motivated to offer her advice and help clients reach their personal goals; this comes easily for Véronic, as she is very resourceful and efficient.

Véronic is a recipient of our Service Excellence award, as nominated by her colleagues and clients in 2010. This accomplishment reflects her excellent work and service.

Outside of work, Véronic is the mother of two beautiful boys and enjoys spending time with her family. She also enjoys biking and has a great passion for pottery.

Véronic obtained a bachelor’s degree in Psychology and Criminology, as well as a bachelor’s degree in Public Administration at the University of Ottawa.

Véronic joined the philryan.ca team in 2003 as a client contact representative. Today, she has over 17 years of experience and is office manager and Associate Financial Advisor. 

Véronic deeply cares about customer service and is proud to contribute to a team that is always willing to help clients. She is motivated to offer her advice and help clients reach their personal goals; this comes easily for Véronic, as she is very resourceful and efficient.

Véronic is a recipient of our Service Excellence award, as nominated by her colleagues and clients in 2010. This accomplishment reflects her excellent work and service.

Outside of work, Véronic is the mother of two beautiful boys and enjoys spending time with her family. She also enjoys biking and has a great passion for pottery.

Colette Marier

Colette Marier

Associate Insurance Advisor
Embrun

Colette joined the philryan.ca team in September 2019 as an Associate Insurance Advisor. After 22 years of hairstyling and 27 years in the customer service industry, she decided it was time for a change. Colette deeply cares for customer service. Helping clients is a great fit for a person with her experience. With her dedication and trustworthiness, she is always motivated to offer her advice and help to clients.

Outside of work, Colette enjoys spending time meditating, travelling with her family, and camping with her friends.

Colette joined the philryan.ca team in September 2019 as an Associate Insurance Advisor. After 22 years of hairstyling and 27 years in the customer service industry, she decided it was time for a change. Colette deeply cares for customer service. Helping clients is a great fit for a person with her experience. With her dedication and trustworthiness, she is always motivated to offer her advice and help to clients.

Outside of work, Colette enjoys spending time meditating, travelling with her family, and camping with her friends.

Patricia Freill

Patricia Freill

Associate Insurance Advisor
Embrun

Patricia joined the philryan.ca team in May 2021 as an Associate Insurance Advisor. She deeply cares for customer service and enjoys the opportunity to make a difference for her clients. With her great work ethic and commitment, Patricia is always motivated to offer her advice and help to clients.

Outside of work, Patricia enjoys staying active by working out and biking. She currently lives in Halifax, NS, and enjoys exploring various seaside sites with her dog.

Patricia joined the philryan.ca team in May 2021 as an Associate Insurance Advisor. She deeply cares for customer service and enjoys the opportunity to make a difference for her clients. With her great work ethic and commitment, Patricia is always motivated to offer her advice and help to clients.

Outside of work, Patricia enjoys staying active by working out and biking. She currently lives in Halifax, NS, and enjoys exploring various seaside sites with her dog.