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.

Scott Lutz

Scott Lutz

Financial Advisor
Yarmouth

Scott graduated from Dalhousie University with a Bachelor of Commerce, Co-op program in 2002, and then spent a year backpacking in Australia and New Zealand before moving back home to Yarmouth, NS. In the fall of 2004, Scott began working in his father’s agency, Clyde Lutz and Associates. Finally, after 42 years of building the business, Clyde has turned the keys of his business over to Scott. Clyde’s daughter, Denise, also works in the agency along with Penny, who has been with the agency for the past 20 years.

Scott is married to Jaime, who is an RCMP officer in Yarmouth. They are the proud parents of three children. Scott’s hobbies include fishing, kayaking, and biking. He is involved in the Rotary Club of Yarmouth and is now serving as past president after serving two years as the club's president. He is also a board member of the South Ohio Community Centre. Scott values the importance of higher education and received his Certified Financial Professional designation in 2015 in order to better serve his clients' financial needs.

Scott is excited to take his father’s business to the next level and grow the business that Clyde started 42 years ago.

Scott graduated from Dalhousie University with a Bachelor of Commerce, Co-op program in 2002, and then spent a year backpacking in Australia and New Zealand before moving back home to Yarmouth, NS. In the fall of 2004, Scott began working in his father’s agency, Clyde Lutz and Associates. Finally, after 42 years of building the business, Clyde has turned the keys of his business over to Scott. Clyde’s daughter, Denise, also works in the agency along with Penny, who has been with the agency for the past 20 years.

Scott is married to Jaime, who is an RCMP officer in Yarmouth. They are the proud parents of three children. Scott’s hobbies include fishing, kayaking, and biking. He is involved in the Rotary Club of Yarmouth and is now serving as past president after serving two years as the club's president. He is also a board member of the South Ohio Community Centre. Scott values the importance of higher education and received his Certified Financial Professional designation in 2015 in order to better serve his clients' financial needs.

Scott is excited to take his father’s business to the next level and grow the business that Clyde started 42 years ago.

Denise Lutz

Denise Lutz

Associate Financial Advisor
Yarmouth

Denise graduated from Saint Mary's University in 2000 with a Bachelor of Commerce, majoring in Human Resources and Industrial Management. After spending a few years post graduation working in the financial services field for the credit union as a compliance officer, Denise successfully studied for and obtained her Certified Financial Planning Designation in 2004. That same year, Denise decided to join her father's team, Clyde Lutz and Associates, representing The Co-operators. Since 2004, Denise has been part of a dedicated team focusing her role on financial and estate planning. In July 2011, Denise and her brother Scott took over the agency their father started 42 years ago. Denise is proud to be continuing on with her dad's legacy and servicing clients the way he has done for 42 years.

Denise graduated from Saint Mary's University in 2000 with a Bachelor of Commerce, majoring in Human Resources and Industrial Management. After spending a few years post graduation working in the financial services field for the credit union as a compliance officer, Denise successfully studied for and obtained her Certified Financial Planning Designation in 2004. That same year, Denise decided to join her father's team, Clyde Lutz and Associates, representing The Co-operators. Since 2004, Denise has been part of a dedicated team focusing her role on financial and estate planning. In July 2011, Denise and her brother Scott took over the agency their father started 42 years ago. Denise is proud to be continuing on with her dad's legacy and servicing clients the way he has done for 42 years.

Penny Goodwin

Penny Goodwin

Associate Insurance Advisor
Yarmouth
Cathy Gavel

Cathy Gavel

Associate Insurance Advisor
Yarmouth
Joey Jacquard

Joey Jacquard

Associate Insurance Advisor
Yarmouth