Carl Eppstadt,   CLU, CH.F.C., CFP, C.H.F.S. SPECIALTIES: Financial, Retirement, Estate and Tax Planning. Mutual Funds, Insurance Products, RRSPs, RRIFs and Annuities.

Mr. Eppstadt has been providing independent financial strategies in the Ottawa area since 1978. He is the president of Future Financial Planning Group. He is a Chartered Life Underwriter (CLU), a Chartered Financial Consultant (CH.F.C), a Certified Financial Planner (CFP) and a Certified Hedge Fund Specialist (C.H.F.S.).

Mr. Eppstadt holds a mutual fund license, which is sponsored by one of Canada's largest, independent mutual fund dealers, Worldsource Financial Management Inc. He also holds a Class II Life Insurance License which allows him to deal with most life insurance companies, rather than being affiliated with only one life insurance company.

Associations and Memberships include:

• The Canadian Association of Financial Planners (now known as Advocis)
• Ottawa Estate Planning Council
• Canadian Association of Insurance and Financial Advisors (Advocis)
• The Institute of Chartered Life Underwriters and Chartered Financial Consultants
• Independent Life Insurance Brokers of Canada
• Contributor to the Financial Post
• Speaker on Retirement, Estate, Pensions, RRSPs, RRIFs, Mutual Funds, Insurance and Investments
• Subscriber to Compulife software, a Canada-wide life insurance shopping service
• Subscriber to the Canadian Annuity Exchange (Cannex), a Canada-wide GICs, annuity shopping service