Team

Cartesia’s success is based on passion and innovation. It all started in 2006, when we founded our consulting firm because we felt the market lacked focus, or rather, it was focused on the wrong things. Thanks to our pension expertise, developed through years of experience in the industry, we are able to offer our clients high quality services that they actually need. Our commitment to transparency and integrity define who we are, and are at the heart of every recommendation we make.

Many of our client relationships date back to those early days—a testament to the trust and value we continue to deliver.


Cartesia is managed by:

About Nathalie Charette

Nathalie Charette brings over 30 years of experience in the employee benefits and retirement space. Nearly 20 years ago, she co-founded Cartesia with Sophie Séguin, and together they’ve been providing strategic, independent advice to organizations across sectors ever since. Throughout her career, Nathalie has built a strong reputation for her proactive and candid approach and unwavering commitment to client success.

She began her career as an actuarial analyst with MLH+A (now part of AON), later taking on a management role at London Life’s Ottawa office, where she helped grow the firm’s regional presence. She then joined Standard Life as Associate Vice-President, Executive Accounts, leading national initiatives to attract, retain, and grow pension business.

Since co-founding the firm, Nathalie has been known for delivering sharp, unbiased advice that helps clients focus on what truly matters. She brings clarity to even the most nuanced discussions, offering candid guidance with a measured, confident approach that clients have come to trust. Nathalie is often ahead of the curve, identifying best practices and industry shifts well before they become mainstream. Her work is grounded in honesty and sound judgment, and clients trust her to call things as they are—with balance and respect. She helps employers navigate sensitive issues with insight and precision—making her a valued partner in both day-to-day decisions and long-term strategy.

She holds a BA in actuarial science from Université de Montréal. She was a member of the Quebec Regional Council of the Canadian Pension and Benefits Institute (CPBI), on which she also previously served as the Chair for the Ottawa Regional Council. She is licensed by the Autorité des Marchés Financiers (AMF) as an Advisor in Group Insurance and Group-Annuity plans as well as a Financial Security Advisor, and is also licensed as a Life Insurance Agent with the Financial Services Regulatory Authority of Ontario (FSRA).


About Sophie Séguin

Sophie Séguin brings over 20 years of experience in the financial services industry, with deep expertise in group retirement plans and client relationship management. Nearly two decades ago, she co-founded Cartesia with Nathalie Charette, and has since played a central role in delivering thoughtful, independent advice to a wide range of clients.

Sophie began her career at the Royal Bank of Canada before moving into pension consulting at Mercer. She later joined Standard Life as a Senior Manager, where she managed key group pension accounts and supported large organizations with plan design and strategy.

Known for her high energy and proactive approach, Sophie excels at identifying gaps, bringing clarity to complex situations, and designing actionable paths forward. She builds close, trusting relationships with clients, seamlessly integrating into their teams to foster efficient collaboration. Passionate about her work, Sophie is dedicated to exploring every possibility and ensuring nothing is overlooked. Her proactive mindset helps her anticipate potential risks and address challenges before they arise, keeping projects on track and clients confident. With a structured, detail-oriented approach, Sophie is a reliable and invaluable partner, trusted for long-term, results-driven guidance.

Sophie holds a BA in actuarial science from Université du Québec à Montréal as well as an Executive MBA from the John Molson School of Business. She was a Vice-President of the Quebec MBA Association. She is licensed by the Autorité des Marchés Financiers (AMF) as an Advisor in Group-Annuity plans as well as a Financial Security Advisor, and is also a licensed Life Insurance Agent with the Financial Services Regulatory Authority of Ontario (FSRA).