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CCR Group Inc
Cara Patinios
312-80 Acadia Avenue
Markham ON L3R 9V1
Phone: (905) 479-7559 Fax: (905) 479-8059
Email: cara@ccrgrp.com


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July Newsletter

Personal Wealth and Finance



Estate View

RRSP and TFSA Rollover to a Surviving Spouse

Upon the death of a spouse in Canada, specific rules govern the transfer of Registered Retirement Savings Plans (RRSPs) and Tax-Free Savings Accounts (TFSAs) to the surviving spouse. These “rollover” provisions are designed to allow for the tax-deferred or tax-free …


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Estate View

Understanding beneficiary designations in Canada

Understanding beneficiary designations in Canada is a critical aspect of estate planning, often overriding provisions made in a will. This is because certain assets, by their very nature, allow for direct beneficiary designations that operate outside of the estate and …


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Estate View

Financial Strategies using Life Insurance

Life insurance needn’t be a boring topic. It’s the foundation of a sound financial plan. Moreover, protecting our family's financial future is of great interest.


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More Recent Articles



Life Insurance

Money management to mitigate tariff chaos

Recent trade policy developments have introduced a degree of market volatility and economic uncertainty. While it’s natural to notice these shifts, it’s important to view them within the broader context of long-term financial planning. For your investment portfolio, these evolving …


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Life View

Life Insurance and the Principle of Decreasing Responsibility

The "principle of decreasing responsibility" is a financial planning concept that states that an individual who has dependents such as a spouse and/or children has financial responsibilities that life insurance can help meet in the event of death.


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Wealth Viewpoint Quarterly

Transferring RRSPs to RRIFs at age 71

Understanding transferring RRSPs to RRIFs RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any …


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Estate View

Early Death Benefit Provisions of Canadian Life Insurers

Most Canadian Life Insurance companies provide policyholders diagnosed with a terminal illness with some form of early access to a portion of the death benefit. However, the specific terminology, eligibility requirements, and benefit amounts vary considerably. Living benefit, Early Death …


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Investor Insight

Avoid the Old Age Security (OAS) Clawback

The Old Age Security (OAS) clawback, officially known as the OAS recovery tax, reduces the amount of OAS pension you receive if your income exceeds a certain threshold. To avoid or minimize the OAS (Old Age Security) clawback in 2025, …


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Financial Planning

To retire well, maximize your income strategies

We invest in what people buy. When an equity investment fund or stock is purchased, you indirectly invest in businesses relating to what consumers buy.


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Estate View

7 ways life insurance protects your financial foundation

Life insurance has been called the foundation of your net worth. If you have a spouse or children, the initial stages of your financial strategy should include adequate life insurance coverage.


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Investor Insight

RESP: Saving for children’s and grandchildren’s education

Canadian legislation enables Registered Education Savings Plans (RESPs) to support education savings for children and grandchildren through specific provisions outlined in the Canada Education Savings Act and related regulations. Facts about an RESP A Registered Education Savings Plan (RESP) is a …


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Registered Investments

Understanding transferring RRSPs to RRIFs.

RRSP Maturity Strategies: You are allowed to contribute to your RRSP up until December 31 of the year that you turn 71, at which point your RRSP must be closed. Instead, you can select any or a combination of: transferring …


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Life View

When Permanent Insurance makes sense

As the children get older and move out on their own, and your mortgage and other debts are nearly paid off, the need for life insurance capital designed to replace income for dependents decreases.


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Investor Insight

RRSP and TFSA REVIEW 2025

What are some differences between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP)? The tax benefits of the Tax-Free Savings Account (TFSA) The TFSA is a registered savings account that makes it easy for Canadian taxpayers …


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Life View

What is taxable in an estate?

After the death of an individual, every estate must file a final (or 'terminal') tax return. All assets are deemed to be disposed of at time of passing, and this can trigger probate fees and other expenses.


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Investor Insight

Why is portfolio strategy important?

Understanding your risk tolerance: Each of us has a personal level of risk tolerance, which indicates how much risk one is willing to take while investing in markets that always go up and down. Your advisor can help you set …


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