We are honest with our clients and handle their business with strong moral principles and comply with all industry standards and regulations.


We provide excellent customer service and will never leave clients to navigate the complicated world of insurance and employee benefits alone. We are locally owned and operated and support the community.


We are committed to growing our business by continually improving our customer service process and product base.


To be the leader in providing Group Benefits & Savings to Vancouver Island business owners and community members. We help professionals protect their business and families through unique and exclusive product offerings and unparalleled customer service. We accomplish this by committing to our core values.


We are a dedicated team committed to professional development, known for our customer service, and focused on building trusting relationships with family, friends, community members, and business owners. We are able to keep this focus in check by adhering to our core values of:


Carol Cooper CFP, CHS, CLU, CPCA
Carol Cooper CFP, CHS, CLU, CPCALicenced Advisor / Benefits Consultant

Carol is a native of Victoria. Her life has been filled with many challenges and satisfying accomplishments and she has been blessed with a wonderful family and many great friends.After 16 years with Canada Safeway, Carol was recruited to the insurance industry and through ambition and hard work, obtained her CFP, CHS and CLU designations. In 2012, Carol completed her Certified Professional Consultant on Aging (CPCA) designation with a focus on offering specialized assistance to our maturing clients.

As the founder of Cooper Financial Services Group Inc. and Integrated Benefit Solutions, Carol has a thorough knowledge of business, tax and estate planning along with financial and insurance solutions, she attributes her success to her genuine interest in her clients. She cares for people, listens and works hard to truly understand their needs – creating solutions to solve those needs is the easy part.

Carol is passionate about transparency and professionalism in the financial sector and advocates for these as an active advisor member and board member of the Vancouver Island Chapter of Advocis. In her spare time, Carol can be found on the tennis court, working out or in the garden. She is also an avid traveler.

What does award winning service mean to Carol?

Carol – “We always strive to uncover your pain, needs and frustrations and work to create a long term satisfying, winning solution for everyone! ”

Diane Carpenter
Diane Carpenter Licensed Advisor / Benefits Consultant

Diane is responsible for helping clients find the right solution for their business. After completing her Canadian Securities Course in Calgary, Diane relocated to Victoria from Calgary to be close to the ocean and to enjoy the arts and culture that is unique to our island. Her successful background encompasses the complete customer service experience. Diane is able to provide outstanding customer service by virtue of her experience in managing finances, people and projects for several organizations including Royal Roads University. Diane is committed to enriching the lives of individuals, families and business owners through investment and insurance solutions that give them financial freedom and security. She is a licensed insurance agent with a Canadian Securities Course designation.

Diane is passionate about the arts, outdoor activities, spending time with friends and family. Her community commitments include supporting local women in transition as Community Liaison with the local charity, Wear2Start and as a volunteer with The Township Community Arts Council here in Esquimalt.

What does award winning service mean to Diane?

Diane– “Our award-winning client service is driven by our holistic benefit process. From needs analysis to design, communications to responsive service, we evolve with you.”

Deborah Gresty
Deborah GrestyBenefits Manager & Accounts Supervisor

Deborah is responsible for managing group accounts and helping plan administrators navigate the sometimes complicated world of group benefits. She also specializes in selling Travel insurance, Visitors to Canada and Super Visas to local and international visitors. Born and raised in The Lower Mainland, Deborah enjoys all that our Beautiful Province has to offer. She moved to Victoria in 2009, and has quickly made it home for herself and her family, exploring everything that makes Victoria and Vancouver Island the best place to live.

Deborah has spent the majority of the past 20 years as a Licensed General Insurance Agent, working in various Offices with a focus on Travel Insurance Products and Personal Lines sales and service. Thanks to her experience, the transition into Group Benefits has been a smooth one and a great fit for Deborah. With a passion for Customer Service, she will always go above and beyond the call of duty to get the job done. She is likely the first face you will see when you come into our office!

What does award winning service mean to Deborah?

Deborah – “I believe award winning service means anticipating what your clients would want in a situation and showing them you really know and fully understand their needs; always know your client!.”

Ian Sanghara, BBA, CPHR Candidate
Ian Sanghara, BBA, CPHR CandidateSenior Manager, Operations

Ian Sanghara was born and raised in Victoria BC, and attended Oak Bay High. He recently obtained his Bachelors in Business Administration with a focus in Human Resources Management & Leadership, and also holds a diploma in marketing from Camosun.

Ian is passionate about improving workplace culture, and increasing organizational efficiency on a micro and macro level. Ian manages business development, human resources, and project management for both Integrated Benefit Solutions & Cooper Financial Group, where his outgoing personality and organizational passion gives him the drive to continually improve the client and employee experience for both companies.

When Ian isn’t at work you can find him working on his fitness, either in the gym, or on one of the beautiful local trails. He hopes to obtain his CPHR designation after the completion of his degree.

Komal Kapil, MBA
Komal Kapil, MBAJunior Account Administrator

Komal immigrated from India to Canada in 2019 & completed her Masters of Global Management from Royal Roads University. Komal brings with her over 8 years of experience in market research, business administration, and client service.

A dedicated team player with a strong work ethic, Komal is responsible for handling client service requests and back of end client reports & analytics.

Komal is also a  cynophilist and loves spending time with dogs.

“We’re here to discuss your pains, needs and frustrations. We will find a winning solution for everyone.”