Transparency and Full Disclosure
We believe informed decisions require clarity. At Marnoa, we provide full transparency around fees, risks, and potential conflicts of interest so you can move forward confidently.
A Disciplined Approach to Wealth Management
Marnoa is an independent wealth management firm serving individuals, families, and business owners in Canada and the United States. We provide integrated services designed to bring clarity to complex financial decisions.
We work with clients whose financial lives are increasingly interconnected across portfolios, tax structures, business interests, and jurisdictions, and align these elements into a cohesive long-term strategy.
How We Work
Our approach is grounded in structure, discipline, and long-term perspective. We begin by developing a clear understanding of your full financial picture, including your priorities, constraints, and long-term objectives. From there, we design and implement a coordinated strategy that adapts to changes in markets, regulations, and personal priorities with clarity and consistency.
High Ethical Standards
We maintain a consistent commitment to integrity, professionalism, and honest communication. These factors are central to our mission and values, and building trust with our clients.
Qualified Professionals
Our team holds various esteemed credentials, backed by years of industry experience and the technical expertise required to advise on complex financial matters.
Independent Advice
As an independent firm, our recommendations are guided by your best interests. This allows us to provide objective, personalized advice that aligns with your long-term financial goals.
Pedro Ribeiro, CIM®, FCSI®
Founder, CEO and Portfolio Manager
Pedro, founder of Marnoa, is a Portfolio Manager with over 25 years’ experience providing personalized, goal-based financial guidance. He holds CIM® and FCSI® designations and advises clients in Canada and the U.S.
Nadeem Kassam, CFA®, MBA
Chief Investment Strategist, Chief Operating Officer and Portfolio Manager
Nadeem is Chief Investment Strategist and COO at Marnoa, with 15+ years’ experience across portfolio management, research, and strategy. A CFA charterholder, he brings disciplined, institutional insight to client portfolios.
Christopher De Sousa, CIM®
Portfolio Manager
Christopher De Sousa is a Portfolio Manager at Marnoa, specializing in disciplined, long-term portfolio construction. He combines data-driven analysis with diversified strategies to support growth and capital preservation.
Tracy Andrade, CFP®, CIM®
Wealth Advisor and Certified Financial Planner
Tracy is a Wealth Advisor and CFP® specializing in “sandwich generation” planning. She provides empathetic, comprehensive guidance to help clients balance competing priorities with clarity and confidence.
Paul Thomas, CFP®, FMA®, CIM®, FCSI®
Wealth Advisor and Certified Financial Planner
Paul is a senior advisor with 25+ years’ experience, specializing in tax-efficient strategies for incorporated professionals. He provides structured guidance to help optimize corporate investments and long-term outcomes.
Marci Paquete
Client Service Specialist
Marci is a Client Service Specialist with 20+ years’ experience in banking and insurance. She is dedicated to delivering a seamless, thoughtful client experience and supporting the team with care and consistency.
Suzanne Ribeiro
Client Service Coordinator
Suzanne is a Client Service Coordinator with 25+ years’ experience, known for delivering high-touch client support and ensuring smooth, detail-oriented operations across the client experience.