Cross-Border Services
For Kitchener clients with U.S. ties or international financial considerations, we provide coordinated planning around residency, taxation, investments, and cross-border wealth decisions.
Financial Advisors in Kitchener
Marnoa supports Kitchener professionals, tech employees, business owners, retirees, and families with personalized financial planning built around long-term growth, flexibility, and financial confidence.
Serving Clients Across Kitchener
We work with Kitchener clients through virtual meetings, phone consultations, and ongoing advisory relationships, making it easy to stay connected. For those who prefer in-person discussions, meetings can be arranged throughout Kitchener.
Estate & Trust Planning
We support estate and trust planning for Kitchener families seeking to protect wealth, simplify future transitions, and align legacy decisions with long-term family priorities.
Financial Planning
Our financial planning process helps Kitchener clients organize investments, cash flow, retirement planning, tax considerations, estate planning, and long-term financial priorities.
Investment Management
We provide portfolio management services through a fiduciary lens, selecting investments aligned with your goals, risk tolerance, time horizon, and financial plan.
Retirement Planning
We help Kitchener clients structure their retirement income streams across TFSAs, RRSPs, pensions, and non-registered accounts, with a focus on keeping income steady, tax-efficient, and aligned with their long-term plan.
Succession Planning
We help Kitchener business owners prepare for transitions, succession, or future exits through planning that considers business continuity, tax efficiency, and family objectives, while focusing on preserving value.
Tax Planning
We help Kitchener clients understand available tax-efficient strategies across investments, retirement income, business ownership, and estate planning while aligning advice with Ontario and federal tax regulations.
Wealth Management
Our wealth management approach combines investment strategy, planning, disciplined execution, risk management, and ongoing oversight to help Kitchener clients preserve and grow wealth through a structured approach.
Why Kitchener Clients Choose Marnoa
Kitchener clients choose Marnoa for independent advice, personalized planning, and long-term financial guidance. Our disciplined advisory approach focuses on:
- Personalized, independent financial advice
- Holistic and long-term planning approach
- Experience with Ontario tax and financial regulations
- Transparent, client-first strategies
- Trusted relationships with clients across Kitchener Region
- Flexible virtual model with local accessibility
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.
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.
Frequently Asked Questions
Explore answers to common questions about financial planning, remote support, and advisory services in Kitchener.
A financial advisor can help structure important decisions in retirement planning, investments, taxes, business ownership, estate planning, and long-term wealth management.
Yes. We work with Waterloo clients through virtual meetings, phone calls, and ongoing remote advisory support. This allows you to access structured advice without needing to visit a physical office.Yes. We work with Waterloo clients through virtual meetings, phone calls, and ongoing remote advisory support. This allows you to access structured advice without needing to visit a physical office.
Yes. We support business owners with succession planning, tax-aware wealth strategies, retirement planning, and coordinated long-term financial decision-making.
Yes. We help professionals navigate stock options, RSUs, variable compensation, tax planning, and long-term investment strategy as part of a coordinated financial plan.