For over 40 years, we have helped affluent individuals, families, professionals, and retirees in Ottawa, and the surrounding communities make informed financial decisions with confidence. Our clients typically have significant investable assets and planning needs involving retirement income, tax planning, estate planning, and investment management.

As independent advisors, we have access to a broad range of investment and insurance solutions, allowing us to recommend strategies based on your needs and not a particular provider.

Whether you are preparing for retirement, coordinating a UK pension transfer, or seeking to leave a lasting legacy, we can help create a financial plan tailored to your goals.

Experienced Team

Carl has over 40 years of experience in the financial services industry, while Julie brings more than 20 years of expertise in wealth management and financial planning. Together, our team combines personalized service with specialized knowledge to help clients navigate important financial decisions. As a boutique practice, we offer the agility and responsiveness that clients value, while leveraging a network of tax, estate, and investment specialists to provide comprehensive advice when needed.

Professional Advice

As Certified Financial Planner® professionals, we specialize in helping clients build, preserve, and transfer wealth through thoughtful investment, retirement, and estate planning. As independent fiduciary advisors, we are committed to putting our clients’ interests first. We are not tied to any mutual fund company, insurance company, bank, or investment provider, allowing us to provide objective, unbiased advice tailored to your needs.

Value of Financial Advisors

While investment performance is important, lasting financial success is often driven by factors that have little to do with market returns. Comprehensive financial planning, tax-efficient strategies, retirement income planning, estate planning, and disciplined decision-making can all have a meaningful impact on long-term outcomes. Our goal is to help clients maximize the value of every financial decision they make.

QROPS-UK to Canada Pensions

In addition to wealth and retirement planning, we are one of the few firms in Canada with specialized expertise in UK pension transfers and the evolving QROPS landscape. Since Canadian QROPS were re-introduced in October 2019, Julie has successfully assisted numerous clients with transferring UK pensions to Canada. For Defined Benefit plans and Defined Contribution plans that include safeguarded benefits exceeding £30,000, we work alongside FCA-authorized UK financial advisory firms to satisfy all UK regulatory requirements.

Services

ALL SERVICES

Our Team

Carl Eppstadt

Financial Planner CLU®, CH.F.C.®, CFP®, C.H.F.S.

SPECIALTIES: Financial, Retirement, Estate and Tax Planning. Mutual Funds, Insurance Products, RRSPs, RRIFs and Annuities.

Born and raised in Ottawa, Mr. Eppstadt has been providing independent financial strategies in the Ottawa area for over 40 years. 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 is able to offer mutual funds through one of Canada’s largest, independent mutual fund dealers, Worldsource Wealth Management Inc. Mr. Eppstadt has been an advisor with Worldsource since their inception and has been a Worldsource ‘Top Performer’ for over 20 years – a recognition given to less than one percent of all Worldsource advisors.

In addition to mutual funds, Mr. Eppstadt holds a Life Insurance License which allows him to advise on and sell Annuities, Life, Accident & Sickness, Disability, Critical Illness and Long Term Care Insurance through term/mart Insurance Agency Inc.

One of Carl’s passions is golf and he is a long standing member at the prestigious Rivermead Golf Club. Carl also enjoys renovating projects in the summer and downhill skiing at Mont Ste. Marie in the winter.

Julie Westall

Financial Planner CFP®, CIM®

In January 2010, Julie joined Future Financial after 10 years in the broker channel with RBC Dominion Securities. Julie holds the Certified Financial Planner (CFP) and Chartered Investment Manager (CIM®) designations and offers mutual and hedge funds through Worldsource Wealth Management Inc. Clients know Julie to be a keen listener, committed to providing high-level service and passionate about detail in execution.

Details matter to Julie and she spends the time needed to get to know each and every client to truly understand their goals. Julie is an expert with everything relating to QROPS (Qualified Retirement Overseas Pension Scheme) transfers and has successfully helped numerous UK expats transfer their retirement savings to Canada. Julie is committed to expanding her financial planning skill set through professional development courses, which enhances the value she provides to her clients. In April 2014, Julie received her Life Insurance Licence. Since 2012, Julie has been the Treasurer on the Board of Directors of the Civic Hospital Neighbourhood Association.

Julie has been very involved managing her son’s competitive golf and hockey for years and now that her daughter is also a competitive hockey player, our spare time more than ever is spent inside a hockey rink!

Robin McLaughlin

Administrative Assistant

Robin began her journey in the financial services industry in September 2021 and has been a great addition to the team ever since.

She has a unique background in customer service and is a strong administrative professional with a sharp eye for detail. Robin has significant experience in client relations, human resources and training and event planning. In May 2019, Robin graduated with high honours in her post secondary schooling.

Robin lives in the neighbourhood and enjoys time spent with family, friends and her animals.