Comprehensive Wealth Management Services

At Marnoa, we manage your complete financial picture under one relationship. Investments, planning, tax strategy, cross-border considerations—it all connects.

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Wealth Management

Through an integrated and personalized approach, we help clients preserve, grow, and transfer wealth.

Financial Planning

Effective wealth management begins with understanding how every financial decision fits into the bigger picture. Our financial planning process helps clients clarify priorities, evaluate opportunities, and develop a long-term strategy that supports their personal and financial goals. We also work with your professionals to refine approaches best suited to your situation.

By incorporating cash flow analysis, net worth planning, retirement objectives, and future financial milestones, we help create a framework for informed decision-making.

Tax Planning

Taxes can have a significant impact on long-term wealth accumulation and preservation. That's why tax planning is integrated into our broader wealth management process. We work with tax professionals and help clients identify opportunities to improve tax efficiency through investment strategies, income structuring, retirement planning, and coordination between personal and corporate finances.

Our goal is to help ensure tax compliance so that more of your wealth remains working toward your long-term objectives.

Retirement Planning

Retirement planning involves more than determining when you can stop working. It requires a clear strategy for generating sustainable income, managing taxes, and maintaining financial flexibility throughout retirement.

In addition to working with external professionals, we help clients develop personalized retirement plans. Our personalized approach looks at coordinated investment portfolios, withdrawal strategies, pensions, government benefits, and evolving lifestyle needs to support long-term financial security.

Estate & Legacy Planning

Whether you're a high-income professional, business owner, or retiree, preserving wealth often means planning beyond your own lifetime. Estate and legacy planning helps ensure your assets are transferred efficiently, your wishes are respected, and unnecessary taxes and administrative burdens are minimized.

We work with you, alongside legal and tax professionals, to help coordinate estate planning strategies, trust considerations, beneficiary arrangements, and wealth transfer objectives as part of your broader financial plan.

Business Owner Wealth Strategies

If you own a business, your financial decisions have broader implications than those of our other clients. Business owners must consider both their personal and corporate balance sheets before making significant moves. Managing these interconnected areas requires careful planning and coordination.

We help business owners evaluate compensation strategies, integrate corporate assets into their wealth plan, prepare for future succession or exit events, and align business value with long-term personal financial goals.
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Our Wealth Management Process

At Marnoa, we strategize one cohesive plan designed to help you build, protect, and transfer your wealth.

Discovery

We begin by getting to know you and what matters most, including details related to your financial situation, goals, priorities, and concerns. This foundation allows us to identify opportunities and create a strategy tailored to your circumstances.

Strategy

We take the time to understand your situation and, using the insights gathered during discovery, we build an integrated plan that coordinates investment management, tax planning, retirement planning, estate considerations, and other key financial priorities.

Implementation

We work with you to align your accounts, investments, financial structures, and planning strategies, helping ensure recommendations are implemented effectively and consistently. We also coordinate with your other advisors where needed to support effective execution.

Optimization

Financial planning is an ongoing process. We continuously review and refine your strategy as markets, tax laws, personal circumstances, and long-term goals evolve over time.

Meet the Marnoa Team

Our team brings together financial planning, investment management, tax-aware strategy, and professional coordination.

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.

Meet Pedro
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.

Meet Nadeem
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.

Meet Christopher
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.

Meet Tracy
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.

Meet Paul

Why Work With Marnoa?

We believe wealth management works best when every financial decision is viewed through a coordinated lens. Rather than treating investments, taxes, retirement planning, and estate planning as separate conversations, we bring these elements together within a unified strategy tailored to your goals and circumstances.

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What Our Clients Say

Built on trust, clarity, and consistent support, our client relationships are the foundation of our work.

I’ve been working with my wealth consultant for a while now, and they’ve been awesome. Super easy to talk to and really know their stuff. They helped me make smart decisions with my money without all the confusing jargon. Definitely recommend if you want someone who actually cares about your goals.
Wilson
Current Client • Solicited • 2025
If you are looking for a group of people to help you meet your financial goals, Marnoa is a great company to work with. We set out plans many years ago and worked to towards accomplishing those plans. Adjustments were made along the way and we always felt that we were being listened to with any concerns we had. Now that we have reached retirement we are experiencing the benefits of having worked with Marnoa.
Bruce
Current Client • Solicited • 2025
I want to take a moment to express my sincere appreciation for Marnoa Wealth Management. Their professionalism, insight and unwavering commitment to my Family's financial goals have been nothing short of perfection. They not only provide sound investment advice, but also take time to understand our personal objectives by offering tailored strategies that reflect both prudence and foresight. Their transparency, responsiveness and deep market knowledge have given us immense confidence during these uncertain economic times. I truly value their Partnership and peace of mind they provide in managing not only my wife and mine, but our daughters personal wealth growth as well. Wish had known them years ago.
Scott
Current Client • Solicited • 2025
I can't say enough about the people at Marnoa Private Wealth Counsel. They are a close knit team and will go above and beyond for their clients to make them feel comfortable with the investments that they recommend for you. I have recommended them to other family members, that's the confidence I have in this team to make my money grow.
Wayne
Current Client • Solicited • 2025
*All testimonials are provided by clients and no compensation has been given.

About Marnoa

Marnoa is an independent wealth management firm serving individuals, families, business owners, professionals, and cross-border households in Canada and the United States. We are built around disciplined planning, fiduciary alignment, and long-term relationships, helping you connect investment management, tax strategy, retirement planning, and estate considerations within one coordinated advisory process.

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Wealth Management FAQs

Explore answers to some of our most frequently asked questions. Looking for more information? Please reach out to us.

Wealth management is a comprehensive approach to financial decision-making that integrates investment management, financial planning, tax strategy, retirement planning, and estate considerations. The goal is to create a coordinated strategy that supports your long-term financial objectives.

Financial planning is one component of wealth management. While financial planning focuses on helping clients achieve specific goals, wealth management combines planning with ongoing investment management, tax considerations, retirement strategies, and broader wealth preservation initiatives.

Many individuals and families seek wealth management when their financial lives become more complex or when they want professional guidance in coordinating multiple aspects of their finances. A wealth manager can help provide structure, oversight, and strategic direction across your overall financial picture.

Every client’s situation is unique. Recommendations are developed based on factors such as financial goals, income, assets, tax circumstances, family considerations, business interests, and long-term objectives.

We review plans regularly and make adjustments as needed based on changes in your financial circumstances, goals, tax rules, market conditions, or other relevant factors. Wealth management is an ongoing process rather than a one-time event.

Ready to Take Control of
Your Wealth?

Managing wealth should not feel fragmented or overwhelming. With a coordinated strategy and trusted guidance, you can make important financial decisions with greater clarity and confidence. Whether you’re building wealth, preparing for retirement, managing a successful business, or planning for future generations, we’re here to help.

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