Dear Valued Clients,
At Marnoa, we believe that sharing knowledge is an important extension of the work we do every day. Beyond helping clients make informed financial decisions, we’re committed to contributing thoughtful perspectives to the broader conversations shaping investing, wealth management, and retirement planning.
Over the past several months, members of our team have been featured in industry and media publications. In April, Tracy Andrade contributed a thought leadership article on the importance of integrated wealth planning for high-income families, highlighting how coordinating investment, tax, estate, and risk management strategies can help reduce inefficiencies and improve long-term outcomes. In May and June, Nadeem and I were featured in publications discussing topics ranging from the changing financial realities facing today’s middle class to retirement planning, investment risk, and wealth-building strategies.
While the topics vary, they are united by the same principles that guide our work with clients every day: independent thinking, disciplined decision-making, and a long-term perspective.
We’re pleased to share these recent features and hope they provide valuable insights into the issues affecting investors today, while offering a glimpse into the expertise and perspective we bring to our client relationships.
Pedro Ribeiro
FinanceBuzz | June 25, 2026
Nadeem Kassam, Chief Investment Strategist & Portfolio Manager
Financial Advisors Say These 8 “Safe” Investments Might Not Actually Be Safe for Retirees: In this expert roundup, Nadeem Kassam highlights how investments commonly perceived as “safe,” including certain annuities and dividend-paying stocks, can carry hidden risks for retirees. He emphasizes the importance of looking beyond labels to evaluate fees, liquidity, income reliability, and overall portfolio suitability, helping investors make more informed retirement planning decisions.
MoneyLion | May 8, 2026
Pedro Ribeiro, CEO & Portfolio Manager
The Middle Class Isn’t Disappearing, It’s Splitting in Half: In this feature, Pedro Ribeiro explains how the middle class is increasingly divided into two financial realities, with housing ownership, investment participation, and debt levels emerging as key differentiators. He highlights how seemingly small decisions, from retirement savings habits to managing high-interest debt, can compound over time and significantly influence long-term financial outcomes. A timely perspective on the forces reshaping wealth creation and financial security.
Advisorpedia | April 30, 2026
Tracy Andrade, CFP®, CIM®, Wealth Advisor and Certified Financial Planner (Canada)
Why High-Income Families Need Integrated Wealth Planning Instead of Siloed Financial Advice: In this thought leadership piece, Tracy Andrade explains why coordinating investment, tax, estate, and risk management strategies is essential for high-income families with increasingly complex financial lives. She highlights how fragmented advice can lead to costly inefficiencies and missed opportunities, and outlines how an integrated planning approach can improve long-term outcomes, enhance clarity, and help families stay aligned with their financial goals.
Read the full article
