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
Embrun

I started answering The Co-operators phone at age nine (1980). My father, Marc, was the local Co-operators agent in Embrun, ON. He was serving clients mostly for their insurance needs, and his office was in our home. It was fun and it gave me 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, I completed a Bachelor of Commerce degree at the University of Ottawa. Economics and the financial markets (fixed income and stock markets) were my favorite topics.

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

Today, the same passion animates me. We have over 2,000 clients. To each of our clients we provide personalized service to help them find the right products to meet their insurance and financial needs.

I am well surrounded by a team that helps me deliver our mission: Financial security for Canadians and their communities. I spend most of my time helping clients make financial plans so that they can reach their goals, such as retiring comfortably. I enjoy helping clients maximize their standard of living with proactive financial and estate planning.

I enjoy spending time with my two teenagers, as well as playing hockey, cross-country biking, and wake-surfing at the cottage.

I currently serve on the board of directors of the Unique FM radio station and I am a member of Entrepreneurs' Organization (Ottawa).

I started answering The Co-operators phone at age nine (1980). My father, Marc, was the local Co-operators agent in Embrun, ON. He was serving clients mostly for their insurance needs, and his office was in our home. It was fun and it gave me 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, I completed a Bachelor of Commerce degree at the University of Ottawa. Economics and the financial markets (fixed income and stock markets) were my favorite topics.

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

Today, the same passion animates me. We have over 2,000 clients. To each of our clients we provide personalized service to help them find the right products to meet their insurance and financial needs.

I am well surrounded by a team that helps me deliver our mission: Financial security for Canadians and their communities. I spend most of my time helping clients make financial plans so that they can reach their goals, such as retiring comfortably. I enjoy helping clients maximize their standard of living with proactive financial and estate planning.

I enjoy spending time with my two teenagers, as well as playing hockey, cross-country biking, and wake-surfing at the cottage.

I currently serve on the board of directors of the Unique FM radio station and I am a member of Entrepreneurs' Organization (Ottawa).

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 Phil Ryan & Assoc. team in 2003, as a client contact representative. Today, she has over 17 years of experience and holds the titles of Office Manager and of 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 with great enthusiasm. This comes easily for Véronic since 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, and, to recognize this, Véronic was selected among fifty employees across Canada to come together and celebrate in Niagara-on-the-Lake.


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 Phil Ryan & Assoc. team in 2003, as a client contact representative. Today, she has over 17 years of experience and holds the titles of Office Manager and of 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 with great enthusiasm. This comes easily for Véronic since 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, and, to recognize this, Véronic was selected among fifty employees across Canada to come together and celebrate in Niagara-on-the-Lake.


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 Phil Ryan & Assoc. 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 and having the opportunity to help clients seemed like a great experience for her. 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, as well as camping with her friends.

Colette joined the Phil Ryan & Assoc. 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 and having the opportunity to help clients seemed like a great experience for her. 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, as well as camping with her friends.

Camille Bieman

Camille Bieman

Associate Insurance Advisor
Embrun

Camille joined the Phil Ryan & Assoc. team in January 2020 as an Associate Insurance Advisor. With eight years of experience as a Commercial Broker, Camille was the 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, as well as going 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 the social enterprise Business Sisters.

Camille joined the Phil Ryan & Assoc. team in January 2020 as an Associate Insurance Advisor. With eight years of experience as a Commercial Broker, Camille was the 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, as well as going 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 the social enterprise Business Sisters.

Joël Charbonneau

Joël Charbonneau

Associate Insurance Advisor
Embrun
Jade St-Pierre

Jade St-Pierre

Client Support Representative
Embrun

Jade joined the Phil Ryan & Assoc. 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, 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 Phil Ryan & Assoc. 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, 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.

Mélanie Gravel

Mélanie Gravel

Associate Insurance Advisor I
Embrun

Melanie joined the Phil Ryan & Assoc. 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 many novels, as well as camping with her husband.

Melanie joined the Phil Ryan & Assoc. 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 many novels, as well as camping with her husband.

Mika Leclair

Mika Leclair

Associate Insurance Advisor
Embrun

Mika joined the Phil Ryan & Assoc. team in April 2021 as an Associate Insurance Advisor. She plans to continue her studies with the University of Ottawa's Nursing program. She deeply cares about customer service and having the opportunity to create relationships with clients seemed like a great experience for her. With her brilliant young mind and great communication skills, she is 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 Phil Ryan & Assoc. team in April 2021 as an Associate Insurance Advisor. She plans to continue her studies with the University of Ottawa's Nursing program. She deeply cares about customer service and having the opportunity to create relationships with clients seemed like a great experience for her. With her brilliant young mind and great communication skills, she is 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.

Marika Gagnon

Marika Gagnon

Client Contact Representative
Embrun

Marika is currently studying at l’Université de Moncton. She is in the process of obtaining her Bachelor of Arts in Psychology, along with a minor in Marketing.


Marika joined the Phil Ryan & Assoc. team during the summer of 2018 as a receptionist. Today, she holds the client contact representative title and takes pride in being helpful to clients. With her computer and communication skills, she is always ready to offer her assistance with online services.


Outside of work, Marika volunteers for different community organizations, such as the Club Optimiste d’Embrun and Valoris. She also plays hockey for the Aigles Bleues de Moncton at the USports level. Aside from hockey, Marika enjoys spending time with her family, at the cottage, cooking various meals, as well as staying active by working out.

Marika is currently studying at l’Université de Moncton. She is in the process of obtaining her Bachelor of Arts in Psychology, along with a minor in Marketing.


Marika joined the Phil Ryan & Assoc. team during the summer of 2018 as a receptionist. Today, she holds the client contact representative title and takes pride in being helpful to clients. With her computer and communication skills, she is always ready to offer her assistance with online services.


Outside of work, Marika volunteers for different community organizations, such as the Club Optimiste d’Embrun and Valoris. She also plays hockey for the Aigles Bleues de Moncton at the USports level. Aside from hockey, Marika enjoys spending time with her family, at the cottage, cooking various meals, as well as staying active by working out.

Patricia Freill

Patricia Freill

Client Contact Representative
Embrun

Patricia joined the Phil Ryan & Assoc. 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 the various seaside sites with her dog.


Patricia is currently on maternity leave.

Patricia joined the Phil Ryan & Assoc. 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 the various seaside sites with her dog.


Patricia is currently on maternity leave.

Linda Laplante

Linda Laplante

Administrative Support Representative
Embrun