Meet our team

We take pride in helping you get the most out of your policies and financial plans. You can count on us to help you choose the right solutions for all your insurance and financial needs. We’re here to provide exceptional service, personalized advice, and straightforward answers to your questions. When you choose Co-operators, you’re choosing a dedicated team that’s on your side, ready to help you meet your needs for today and goals for tomorrow.

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By selecting the “Submit” button, I consent to provide my name and contact information to Co-operators General Insurance Company for the purpose of being contacted by email or by phone by a Co-operators independent agent for an initial discussion about my insurance and/or investment needs. I can revoke my consent at any time by notifying the advisor directly at the contact information provided below.

En cliquant sur le bouton Soumettre, j’accepte de fournir mon nom et mes coordonnées à La Compagnie d’assurance générale Co-operators afin qu’un représentant indépendant ou une représentante indépendante de Co-operators communique avec moi par courriel ou par téléphone pour discuter de mes besoins d’assurance ou de placement. Je peux révoquer mon consentement en tout temps en contactant directement le conseiller ou la conseillère aux coordonnées indiquées ci-dessous.

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Ben Gutknecht

Financial Advisor*

Mutual Fund Investment Specialist**

Welcome to Co-operators Niagara-on-the-Lake and St. Catharines offices!

As a member of our community, Ben is proud to provide a full suite of insurance solutions that fellow Niagara-on-the-Lake and St. Catharines residents can count on. Whether you're looking for home, auto, life, farm, or business insurance – or a mix – you can trust Ben and his team to give you honest and personalized advice, with service that stands apart.

Ben holds his general, life insurance and mutual funds licences, and has a passion for retirement planning. Ben and his team strive to go beyond your expectations to provide you with the peace of mind that you deserve at every stage of life.

Along with supporting the local hockey and basketball teams, Ben is a proud member of the Virgil Business Association, and is dedicated to serving the community he and his family call home.

Tim Winter

Mutual Fund Investment Specialist*

Mutual Fund Investment Specialist**

Tim joined the Co-operators team in 2022 to help clients achieve their financial goals and objectives. Tim brings 15 years of experience in the financial services industry, along with the strong belief that deep and lasting relationships are critical to a successful financial journey. Tim brings an element of professionalism to the office, combining his passion for creating tailored financial solutions with his knowledge of personal finance to deliver a superior customer experience.

Tim has completed numerous accreditations since completing his university honours degree, including the Personal Financial Planning designation and Responsible Investment Specialist accreditation.

Tim has lived with his family in Niagara for the last 20 years and is passionate about the vibrancy of the community, taking every opportunity to get involved. He loves spending time outdoors with friends and family, and is an active member of the community running club which continues to be a great place to meet new and interesting people.