Meet our team

Rose Ray

Financial Advisor*

Mutual Fund Investment Specialist**

I’m Rose Ray, a Financial Advisor with Co-operators and owner of Rose Ray Financial Services Inc. in Coldwater, Ontario. For more than 20 years, I’ve been helping individuals, families, farmers, and business owners protect what matters most through personalized insurance and financial planning solutions. I take pride in building long-term relationships and providing advice that is practical, easy to understand, and tailored to each client’s unique needs.

Speciality

My focus is helping clients feel confident about their insurance coverage, financial plans, and future goals. With extensive experience in the financial services and insurance industry, I work closely with families, farmers, and business owners to identify risks, explore opportunities, and build solutions that fit their circumstances. I believe informed clients make the best decisions, so I take an education-first approach to every conversation. Whether we're reviewing insurance coverage, discussing life insurance needs, planning for major life events, or exploring ways to protect a business or farm operation, my goal is to provide clear guidance and recommendations that make sense. I’m committed to understanding my clients’ priorities and creating solutions that help them protect what they’ve worked hard to build while preparing for the future with confidence.

Hobbies

As a longtime member of the Coldwater community, I enjoy staying involved and supporting local events, organizations, and initiatives that help make our area a great place to live and work. I value spending time with family and friends, connecting with members of the community, and building relationships both inside and outside of the office. Helping people and giving back to the community has always been an important part of who I am, both personally and professionally.

Location

Coldwater

Email

Amritpal Singh

Associate Insurance Agent

I’m Amrit Singh, an Insurance Advisor in the Co-operators Coldwater office. Before joining the Coldwater team, I spent 13 years as an RESP advisor, helping families plan and save for their children’s education. My career has always been focused on supporting people and providing guidance that helps them work toward their goals with confidence. With a degree in Electronics Engineering and recent studies in Financial Planning at Seneca Polytechnic, I bring both analytical thinking and a client-focused approach to every conversation.

Speciality

I specialize in helping clients understand the importance of financial protection and planning for life’s unexpected events. I currently hold a Life Insurance Licence and am continuing to expand my expertise as I work toward obtaining my OTL licence to provide home and auto insurance solutions as well.My experience in education savings and financial planning has reinforced the value of building strong relationships and taking the time to understand each client’s unique needs. I believe financial advice should be straightforward, personalized, and tailored to support both current priorities and long-term goals. Whether discussing life insurance, savings strategies, or future planning opportunities, I am committed to helping clients make informed decisions and feel confident in the choices they make for themselves and their families.

Hobbies

Outside of work, I enjoy reading and staying active through sports. I’m a longtime fan of both baseball and hockey and appreciate the teamwork, discipline, and dedication that these sports represent. I enjoy continuing to learn through books and personal development, as well as spending time with family and friends. These hobbies help me relax, stay active, and enjoy time with the people and activities I love most.

Location

Coldwater

Email

Harvinder Harvinder

Associate Insurance Agent

My name is Harvinder, and I am a General Insurance Advisor in the Co-operators Coldwater office. I joined the organization in 2025 following a successful entrepreneurial journey, where I owned and operated my own business. After selling my business, I was provided with the opportunity to join the Coldwater team. I bring with me a strong foundation in client service, professionalism, and a passion for supporting individuals and families in protecting what matters most to them.

Speciality

I serve as an Auto and Home Insurance Advisor, specializing in providing comprehensive insurance solutions tailored to meet each client’s unique needs. My role involves carefully assessing individual circumstances and recommending appropriate coverage options to ensure both protection and value.I am committed to delivering a high standard of service by clearly explaining policy details and coverage options, enabling clients to make informed decisions with confidence. I strive to build strong relationships through trust, transparency, and professionalism, while ensuring a smooth and efficient experience for every client.

Hobbies

Outside of work, I maintain an active lifestyle by regularly attending the gym, as I value health and personal wellbeing. I am also committed to community involvement and currently volunteer with Big Brothers Big Sisters. This experience allows me to contribute positively to the community while fostering meaningful connections and supporting personal development.

Location

Coldwater

Email

Leah Holder

Associate Insurance Agent

I’m Leah Holder, a General Insurance Advisor with the Co-operators in Coldwater. My family and I recently made Coldwater our home, and we've quickly come to appreciate the strong sense of community and the many local events that bring people together throughout the year. As a member of the Coldwater team, I enjoy helping clients navigate their insurance needs and providing friendly, personalized support. You'll usually find me in the office, ready to help clients with their insurance needs.

Speciality

I focus on home and auto insurance, helping individuals and families find coverage that suits their needs and circumstances. Whether someone is purchasing insurance for the first time, moving into a new home, or reviewing their existing policies, I enjoy guiding them through their options and helping them make informed decisions.What I enjoy most about my role is building connections with clients and being a reliable resource when questions arise. Insurance can sometimes feel overwhelming, so I strive to create a positive experience by providing clear information, attentive service, and solutions tailored to each client's situation. My goal is for every client to feel confident that they have the right protection in place and know they have someone they can turn to for support.

Hobbies

Outside of work, I enjoy spending as much time outdoors with my family, kids, and dogs. Whether it's hiking local trails, camping, playing softball, or simply enjoying nature, I love activities that keep me active and connected to the community. I'm also a passionate animal lover and enjoy being surrounded by pets whenever I can. Exploring everything the area has to offer has been one of my favorite parts of living in Coldwater, and I'm excited to continue making memories here with my family.

Location

Coldwater

Email

Leanne Thompson

Associate Insurance Agent II

I’m Leanne Thompson, a General Insurance Advisor with the Co-operators in Coldwater. Having been raised in Coldwater, with family roots that go back generations, I’m proud to serve the community that has always been home. My mother was born and raised here, and today I continue to enjoy life in the area with my family. I’m married, have three adult children, and am excited to soon welcome my first grandchild. Being part of this community has given me a strong appreciation for the people, families, and businesses that make it such a special place to live and work.

Speciality

I specialize in helping clients protect what matters most through home, auto, and commercial insurance solutions. Whether it's safeguarding a family home, ensuring the right coverage is in place for a vehicle, or helping a business manage risk, I work closely with clients to understand their unique needs and provide personalized recommendations.I believe insurance should be straightforward and easy to understand. My goal is to build lasting relationships based on trust, clear communication, and dependable service. Every client’s situation is different, and I enjoy taking the time to learn about their goals so I can help them make informed decisions about their coverage.As someone who has spent my life in this community, I understand the importance of protecting the things people have worked hard to build. Whether I’m assisting a first-time homeowner, a growing family, or a local business owner, I’m committed to providing guidance and support every step of the way.

Hobbies

Outside of work, I enjoy spending time with family and friends, attending concerts, and traveling whenever I have the opportunity. I love discovering new places, creating lasting memories, and staying connected with the people who matter most. Family has always been an important part of my life, and with my first grandchild on the way, I’m looking forward to an exciting new chapter filled with even more family celebrations and special moments.

Location

Coldwater

Email

Nicole Bressette

Commercial Specialist

I'm Nicole Bressette, a Commercial Insurance Advisor who enjoys building strong relationships through reliable service and clear communication. I’m passionate about helping individuals and business owners understand their coverage so they can make informed decisions with confidence. Being approachable, detail-oriented, and responsive is important to me, and I strive to make every client interaction a positive one. I’m committed to supporting my clients’ needs while continuing to grow my knowledge and expertise within the insurance industry.

Speciality

I specialize in providing tailored insurance solutions for commercial clients, working closely with them to assess their unique needs and recommend coverage options that align with their goals. I'm passionate about client education and take the time to explain policy details and coverage options in a clear understandable way. I enjoy supporting clients through the quoting and onboarding process, helping make the experience as smooth and efficient as possible. I also work closely with my team to provide comprehensive solutions, particularly for business clients with more complex coverage needs. I take pride in being thorough and following through on every detail so clients can feel confident their risks are properly managed.

Hobbies

Outside of work, I enjoy spending time with family and friends and staying connected to my community. I value maintaining a balanced lifestyle and appreciate opportunities to unwind and recharge. I also enjoy reading, particularly as a way to relax and continue learning. Whether it’s enjoying the outdoors, a good book, or participating in community activities, I value experiences that bring people together and enrich both my personal and professional life.

Location

Coldwater

Email

Nicole Jenny

Client Contact Representative

I'm Nicole Jenny, Executive Associate & Customer Care Representative at the Co-operators in Coldwater. I enjoy helping keep our team organized, supporting daily operations, and creating positive experiences for our clients.

Speciality

Prior to joining the office, my career was rooted in client centric roles within the professional services industry. Those experiences helped me develop a strong commitment to customer service, relationship building, and creating positive client experiences. Today, I bring that same client first approach to Co-operators. Whether I'm connecting with clients or supporting our team behind the scenes, I take pride in building strong relationships and helping our office run smoothly and efficiently.

Hobbies

Outside of work, I enjoy spending time outdoors and making the most of every season. Whether I'm swimming, fishing, or simply enjoying nature, I appreciate the opportunity to relax and recharge. Most importantly, I love spending quality time with my family and creating lasting memories with the people who matter most to me.

Location

Coldwater

Email

Prabh Kaur

Farm Specialist

I'm Prabh Kaur, a Farm Specialist with the Co-operators in Coldwater. Since joining the team in 2024, I've been dedicated to helping farmers protect their operations through personalized insurance and risk management solutions. While my home base is the Coldwater office, I spend much of my time on the road connecting with farming communities across Ontario. Having grown up in a farming region in India, I understand the hard work, dedication, and unique challenges that come with agricultural life, which helps me relate to and support the farmers I serve.

Speciality

I specialize in agricultural risk management and farm protection planning, working with farmers to identify potential risks and design insurance solutions that support their operations. My expertise includes farm property coverage, farm liability, equipment protection, livestock exposures, farm succession discussions, and risk management strategies tailored to each client's needs.I enjoy taking the time to understand how each farm operates because no two farming businesses are the same. Whether I am meeting with established producers, new farm owners, or multi-generational farming families, my goal is to provide practical advice and coverage recommendations that help protect both their livelihood and future plans. By visiting farms and building relationships within the agricultural community, I can better understand the unique challenges farmers face and help them make informed decisions about their protection needs.

Hobbies

Outside of work, I enjoy spending time outdoors, exploring rural communities, and staying connected to agriculture. I have a strong interest in learning about different farming practices and enjoy meeting people from diverse agricultural backgrounds. Traveling, spending time with family and friends, and discovering new places are some of my favorite ways to recharge. Growing up in a farming region has given me a lifelong appreciation for agriculture and the hardworking people who make it thrive.

Location

Coldwater

Email