Our Team

ENCOMPASS Benefits & HR Solutions Inc. provides professional consulting advice and support to our clients in the areas of Employee Benefits, Group Retirement Savings and Pension Plans, Health & Wellness and Human Resources counsel.


Employee benefits plans are quite complex and increasingly require a level of technical knowledge that no single person can provide. Our team approach ensures our clients always have a benefits specialist available to answer any questions. The ENCOMPASS team has over 140 years of combined experience.



Our Consultants

Bret Loge, B. Comm. (Hons.), GBA, CPHR, CHS - Principal - Benefits, Pension & HR Consultant

Bret is the principal at ENCOMPASS and earned his Commerce degree from the University of Manitoba, majoring in Human Resources and Industrial Relations. Since 1990, Bret has worked in the HR profession and received his Certified Human Resources Professional (CPHR) designation in 2001. His Group Benefits Associate (GBA) and Canadian Health Underwriters designations are benchmarks for industry specialized education. His experience in union and non-union, as well as for profit and non-profit environments has developed his ability to solve various HR challenges using creative insight. Having spent 15 years now as a consultant, he has added the role of leading our advisor team and developing a solid team of consultants. He also enjoys waterskiing, wakeboarding, racquetball, watching NASCAR and spending time with friends out at his cabin at Klub Kalamalka. He and his wife have been in Kelowna since 1998 and enjoy traveling with family.


Email Bret Loge


David Rojas, B.Mgmt, GBA – Employee Benefits, Pension & HR Consultant

Over the past several years, David has volunteered in many projects locally and abroad where he discovered his passion for helping others – thus his great match for working with clients and their employee benefits and retirement savings plans. He earned his undergraduate degree from the University of British Columbia and is very happy to call Kelowna home. David has had various leadership positions while working for the Canadian Forces and helping with the Air Cadet program where he obtained both his Glider and Private Pilot Licenses. As a result of having the opportunity to lead major projects to support various organizations around the world, he has come to the conclusion that a great leader is the product of successful teamwork. He is fluent in Spanish and enjoys traveling to experience different cultures whenever possible. On his free time David enjoys flying to different locations around British Columbia, exercising, and spending quality time with family and friends.


Email David Rojas


Kristy Winther – Group Retirement Consultant

After working several years for a large national group benefits provider, Kristy adds valuable insurance carrier experience to our dynamic team and looks forward each day to learning and growing in our industry. Her years of experience in the financial services industry has taught her the value of superior customer service and she strives to achieve excellence in customer satisfaction with each client interaction. Kristy enjoys the Okanagan Valley where she enjoys camping, running, and other outdoor activities with her husband and their young daughter.


Email Kristy Winther


Carol-Lynn Nicholson – Benefits &Pension Consultant

Born into a military family in Fredericton, New Brunswick, Carol-Lynn moved to the Okanagan early on. She spent a great deal of time in the orchards and at the beach before moving to the coast in her teens. After graduating from secondary school, she went to culinary school initially and then on to business school. She started her financial and insurance career at Wood Gundy, where she worked16 years as a Licenced executive assistant to three vice presidents. Carol-Lynn’s family eventually moved back to the Okanagan in 2002 to raise their two daughters. She is enjoying the dynamic ENCOMPASS team and applying her many skills and areas of expertise to our clients.


Email Carol-Lynn Nicholson


Our Service Team



Carole Kormendy - Benefits Support Specialist

Carole, a long-time resident of Kelowna, joined the ENCOMPASS team June 2011. She has worked for various Okanagan employers and has an extensive background in customer service and administrative support, dealing with group benefit administration, payroll, accounting, and financial planning. Carole enjoys getting out and taking in the beauty of the Okanagan Valley, from hiking the local trails to camping and fishing in the back lakes with her husband.


Email Carole Kormendy


Megan Kitson, B.B.A. - Benefits Support Specialist

Megan earned her B.B.A degree with a Human Resources major from Okanagan College and enjoys crafting and the outdoors. She has seen first-hand the importance of the right kind of support for employees and high-quality customer service for clients. She left her beloved Okanagan in pursuit of valuable group benefits experience and has now returned to serve in the industry she loves. She has stopped at nothing to achieve her goals and now brings that to ENCOMPASS and the clients she supports.


Email Megan Kitson


Karen McGrath, B.A. - Office Manager & Benefits Support Specialist

Originally from the Lower Mainland, Karen moved with her family to Kelowna in 2005. She joined the ENCOMPASS team after having worked many years in the not-for-profit sector, specifically in the areas of office administration, payroll and group benefits. She oversees all of our financial reporting and accounting responsibilities, in addition to supporting clients. Always appreciating a good conversation, novel or movie, Karen also enjoys hiking Knox Mountain, kayaking, snowshoeing and camping. Together with her husband, she supports local social justice initiatives.


Email Karen McGrath

Greg Shorter, B.B.A. - Benefits Support Specialist

Greg earned his B.B.A with a focus in Human Resources from Okanagan College conferred by UBC-Okanagan. He joined ENCOMPASS with over 13 years of Human Resources experience which included benefits management and payroll. With these years of front line experience, he has gained a strong understanding of the importance of employee support and communication, as well as the ability to provide a high level of client service. Greg is actively working towards his GBA designation. When not at work, you will probably find him on one of the many beautiful hiking trails of the Okanagan, watching a local sporting event, or in the lake. While thoroughly enjoying the Okanagan lifestyle, his dedication to his clients is unparalleled.


Email Greg Shorter


Lorraine Richardson - Benefits & Retirement Support Specialist

After working in the Credit Union system in various leadership capacities for 20+ years, Lorraine decided to develop her career in the retirement savings and benefits sector where she continues her passion of offering high-level care, advice and guidance for clients. Her financial and coaching background along with her compassion and advocacy for clients strategically aligns well in her role with ENCOMPASS. Working through both the RPA and GBA designations through Dalhousie University, she is a life-long learner continuing to increase the value of her support and counsel to all clients. Lorraine is happily married, enjoys her five nephews and nieces and loves where she lives! Having previously lived in the Okanagan, Alberta and Vancouver Island, she once again is enjoying the beautiful Okanagan. She eagerly participates in fundraising and volunteers at the Kelowna BCSPCA and local food bank, enjoys boating, camping, hiking, travelling, scuba diving and loves spending quality time with family, friends and her giant breed dog, Saxon.


Email Lorraine Richardson


Maddie Wilks - Benefits Support Specialist

Originally from the UK, Maddie moved to the sunny Okanagan with her family at an early age to experience life in Canada. She brings valuable experience within the customer services field and enjoys working as part of a team to provide a successful and memorable experience for each and every client. In her spare time, Maddie loves to hike as well as travel around the world. She enjoys maintaining ENCOMPASS' excellent reputation by providing clients with exceptional service within the group benefits field.


Email Maddie Wilks

Cathleen Loge, B.A – Corporate Secretary/Project Manager

Cathleen has been part of the ENCOMPASS team since 2010 supporting our operations through new initiatives, transitions and special projects. She provides a significant level of leadership in the accounting and legal areas of our firm. She received her bachelor’s degree in 1989 and later went on to study tax law. She regularly connects with many of our clients in various capacities and provides deep wisdom to her husband Bret, all the time! Along with leading worship at church with her soprano voice, her other passion includes volunteering with charitable groups in various countries.


Email Cathleen Loge


Natasha Loge – Benefits Support Specialist

Natasha joined our team in the summer of 2014 to assist ENCOMPASS in various administrative roles. She is currently in her second year of university, working towards a Bachelor’s degree in Business Administration at Providence University College in Manitoba. Using her experience in administrative positions as well as her passion for customer service, Natasha provides assistance to the ENCOMPASS team in any area that they may need and seeks to provide a welcoming atmosphere for ENCOMPASS clients and visitors. In her spare time, Natasha loves listening to and writing music, as well as publishing her fashion blog.


Email Natasha Loge


Our Partners

To complement our in-house team of employee benefits, group retirement, insurance and human resources advisors, we also have partnerships with professionals that provide the following expertise:

  • Individual and Business Insurance
  • Individual Investment Advice
  • Estate Planning
  • Executive Compensation
  • Human Resources Consulting
  • Legal Advisors
  • Chartered Accountants
  • Independent Actuarial Consulting specializing in actuarial evaluations and pension plan design
  • U.S. Benefits Consultants & Brokers



Our Individual Insurance & Investment Team

In additional to our Group Benefits and Retirement Planning services, the ENCOMPASS Estate & Business Solutions Ltd. division is dedicated to providing individual business, insurance and investment advice. Please contact Gary and his team at 250-763-1114 ext. 226 or visit their website.


Client References

We feel our clients are our best spokespeople. Upon request, we will provide you with client contact details. Alternatively, feel free to read our client testimonials.