Meet our team

Sebastien Vermette

PFA™

Financial Advisor*

Mutual Fund Investment Specialist**

With over 15 years of experience in the insurance and investment industry, I am the proud owner and Financial Advisor at S. Vermette Insurance and Financial Ltd., operating as Co-operators in Timmins.

Since 2013, I’ve been committed to helping individuals and small businesses achieve their financial goals through tailored insurance solutions, wealth protection strategies and retirement planning.

I believe in building strong, long-term relationships with my clients by offering expert advice rooted in integrity and trust. My approach is to truly understand each client's unique needs and circumstances before recommending personalized strategies that empower them to make informed financial decisions.

Outside of work, I enjoy spending quality time with my wife and two daughters at the cottage, socializing with friends around a fire, attending live concerts and playing golf whenever possible.

Location

Timmins

Caroline Cyr

Client Contact Representative

With over 20 years of experience in customer service, I take pride in providing dependable, professional and compassionate support to every client. I am committed to fostering trust, maintaining strong relationships and contributing to a positive client experience in every interaction.

Outside of work, I stay deeply connected to my community and family. I serve as an Assistant Coach for my daughter’s competitive ringette team and as an Executive Board Member for the Timmins Ringette Association, helping to support and grow the sport locally. I’m also a proud wife and mother of two — cheering on my daughter at the arena and supporting my son in his passion for karate. I love spending time outdoors as well, especially camping, fishing and hunting whenever possible. These passions keep me grounded, energized and inspired both personally and professionally.

Location

Timmins

Ellen Cullimore

Associate Insurance Agent III

With nine years of experience as an Associate Insurance Agent at Co-operators, I specialize in home, auto, life insurance and financial investments. My personal experience raising a family and planning for the future allows me to connect with clients on a deeper level, helping them find the right coverage tailored to their needs and long-term goals.

I’m passionate about building strong relationships with my clients, ensuring they feel confident and protected.

Outside of work, I love travelling, exploring new cultures and meeting people from all walks of life.

Location

Timmins

Kyla Riach

Associate Insurance Agent

I have always believed in a holistic approach to a person’s financial well-being. I have experience in banking, life insurance and investments. I am in the process of becoming licensed in general insurance as well. I am committed to working with you, whether it is to help you develop your goals or to ensure you are on track with them. I am here to walk with you regardless of where you are on your financial journey.

Outside of work, I enjoy spending time with my family. My husband and I have 4 children and 6 grandchildren. We operate a beef farm outside of Matheson. I also love to travel whenever I can.

Let’s sit down and talk!

Location

Timmins

Lauren Polk

Associate Financial Advisor*

Mutual Fund Investment Specialist**

As an Associate Insurance Agent with Co-operators, I enjoy helping our clients with their insurance needs, whether it's home, auto or life insurance, as well as being able to assist with their financial investments. I have gained valuable experience in client service over the past decade and, as a result, I have formed strong relationships in my hometown of Timmins, Ontario while assisting clients in finding the right solutions for their needs.

Location

Timmins

Lynezza Kelly

Associate Insurance Agent

Location

Timmins

Mandeep Kaur

Associate Insurance Agent

Location

Timmins

Mat Vachon

Associate Financial Advisor*

Mutual Fund Investment Specialist**

Since 2018, I have been proudly serving clients in the financial services industry as a Associate Financial Advisor and Mutual Funds Licenced professional. My top priority is helping individuals and families find tailored financial solutions that meet their goals and fit comfortably within their budgets.

Before entering the financial sector, I successfully owned and operated my own business for 11 years — an experience that strengthened my understanding of entrepreneurship, customer service and long-term planning. That business continues to operate today in a smaller capacity, reflecting my ongoing commitment to building lasting value.

Outside of work, I’m a dedicated family man with three children and two dogs. I find great joy in coaching my son’s hockey team and spending quality time outdoors — whether that’s playing golf, hitting the ice or camping with my family. These experiences continually remind me of the importance of balance, teamwork and planning — values I bring to every client relationship.

Location

Timmins

Michelle Killins

PFA™

Associate Financial Advisor*

Mutual Fund Investment Specialist**

I have been an Associate Financial Advisor with Co-operators since 2017 and enjoy helping clients with all their financial and insurance needs. I currently specialize in investments, life, business, home and auto insurance.

During my time with Co-operators, I've obtained many credentials to ensure that I'm always up to date and knowledgeable so I can provide the best service possible for my clients. I currently hold a designation of PFA (Professional Financial Advisor), mutual funds licence, life and segregated funds, as well as my general insurance.

In my free time, I enjoy camping with my husband and three children, playing on my baseball team and golfing. I also enjoy quiet evenings at home watching movies when it's cold outside.

Location

Timmins