What can we help you with?
Joseph Balan
BA , CHS , CIP , CLU®
Financial Planner*
Mutual Fund Investment Specialist**
Joseph provides holistic financial and estate planning services and prides himself on providing the highest level of service to all his clients by building long-term relationships and putting the utmost stress on our core values of care, confidence and security.
Joseph is a Chartered Insurance Professional (CIP), which is the benchmark of insurance professionalism. He is also a Chartered Life Underwriter (CLU). CLU designation holders are regarded as elite professional Financial Advisors who specialize in developing effective solutions for individuals, business owners and professionals in the areas of risk management, wealth creation and preservation, estate planning and wealth transfer. Joseph also holds the Certified Health Insurance Specialist (CHS) designation. CHS holders provide expertise in all areas of health insurance, including group benefits, critical illness and disability insurance.
His key specializations include: advanced estate planning and wealth transfer management, retirement planning, financial planning, business succession planning, group benefits, life and health insurance, commercial general liability, and errors and omissions liability.
He takes pride in being able to provide financial security to Canadian families and businesses by recommending adequate insurance and investment solutions to help build and preserve their wealth.
Much of his spare time is spent playing soccer, attending Toronto FC and other sports matches and golfing when he can. He has a passion for non-profit organizations and is active in the community in many ways.
Location
Kitchener
Email
Camryn Mcdonald
Associate Insurance Agent
Camryn, or Cam as many of her clients like to call her, is a friendly and trustworthy insurance advisor who specializes in life, farm, auto, and home insurance. With deep knowledge of both rural and urban community needs, she’s passionate about helping families, business owners and farmers feel protected and confident. Cam is fluent in English and conversational in both French and Spanish, she brings a welcoming energy to every conversation. Her clients always appreciate how she explains everything clearly and with a smile. When she’s not working, Cam enjoys gardening, hitting the golf course with her fiancé, and exploring the outdoors with her beloved puppy Sophie. Her friendly personality and dedication make her a trustworthy partner you can count on for all your insurance needs.
Location
Kitchener
Email
Jessica Reis
Associate Insurance Agent
Jessica has been with the Joseph Balan & Associates team as an Associate Insurance Agent since 2008. Many of our clients know Jessica well as she provides them with expectational service and care, specializing in meeting our clients' home and auto insurance needs.
Location
Kitchener
Email
Karan Ranch
Associate Insurance Agent*
Mutual Fund Investment Specialist**
Karan helps individuals and families build a secure, confident future through personalized advice and genuine care. He guides clients at every stage – whether they’re just starting out, growing their wealth, or planning for long-term stability – and is known for making financial concepts easy to understand. Fluent in English, Hindi and Gujarati, he works comfortably with a diverse range of clients, including new immigrants, young professionals and small business owners. His flexible schedule allows him to meet clients at times that work best for them, making financial planning more accessible and stress-free.
Outside of work, he enjoys spending time in nature, discovering new ventures, and making memories with his wife and their playful dog, Trevor. He’s also a passionate sports enthusiast who loves playing and watching soccer, volleyball, and basketball. His approachable style, genuine care and dedication make him a financial partner you can truly count on.
Location
Kitchener
Email
Rupali Chaudhari
Associate Insurance Agent
Rupali is your go-to for personal and commercial insurance needs. Specializing in home, auto and business insurance, she supports both new and existing clients with personalized service and attention to detail. Rupali is known for her calm, friendly nature and ability to make insurance feel easy to understand. Her attention to detail, listening skills and empathy are symbols of her appreciation to her clients. Rupali is Fluent in English, Hindi and Marathi, she takes pride in serving clients from all backgrounds. Whether you’re insuring your first car or reviewing your business coverage, Rupali’s warm approach and extensive knowledge make the process smooth and stress-free. She’s not just an advisor – she’s someone who genuinely cares about protecting what matters most to you. Outside of work Rupali enjoys spending time with family and friends, travelling and hiking.
Location
Kitchener
Email*Offering insurance products underwritten by Co-operators General Insurance Company and Co-operators Life Insurance Company.
**Offering mutual funds through Co-operators Financial Investment Services.