To Our Valued Clients, Friends, and Family:
In an era where financial advice often prioritizes short-term gains and fleeting trends, Marnoa stands apart. We believe in the enduring power of quality investing and structuring a personalized financial plan that aligns with your objectives—a guiding philosophy that has served our clients well since our inception.
As the Founder, CEO, and Portfolio Manager of Marnoa Private Wealth Counsel, I am pleased to introduce our inaugural letter. This marks the beginning of a series designed to keep you informed about our investment strategy, financial planning framework, market outlook, and industry trends.
Our communications will consist of four distinct yet complementary letters, each providing a unique perspective:
“Collecting Compounders” from Christopher De Sousa, CIM® – Portfolio Manager. Christopher’s quarterly letters will focus on our core investment philosophy, detailing our approach to identifying exceptional businesses with durable competitive advantages or “economic moats.” His insights will offer a granular view of how we select and manage individual investments to preserve and grow your wealth over the long term.
“The Big Picture” from Nadeem Kassam, CFA®, MBA – Chief Investment Strategist. Nadeem’s expertise lies in macroeconomics. His monthly letters will provide a broader context for our investment decisions. He’ll analyze global economic trends, policy shifts, and market dynamics that shape the environment in which we invest.
“Beyond The Plan” from our Financial Planners Tracy Andrade, CFP®, CIM® and Paul Thomas, CFP®, FMA®, CIM®, FCSI® . Tracy and Paul’s monthly letters will provide actionable financial planning insights covering tax law changes, regulatory updates, key planning milestones, and wealth preservation strategies.
Lastly, I will be contributing a series of letters on a periodic basis titled “Insights” drawing from my nearly three decades of experience in the investment and wealth management industry. My goal is to share the wisdom and knowledge I’ve accumulated over the years, offering you insights into the principles that have guided our firm’s success and the lessons learned from navigating various market and economic cycles.
Our combined expertise—Christopher’s focus on individual company analysis, Nadeem’s macroeconomic overview, Tracy and Paul’s financial planning strategies, and my insights—will offer you a comprehensive view of our investment strategy, market outlook, and financial planning framework.
We believe that transparency and education are crucial elements of our relationship with you, our valued clients. Through these letters, we aim to keep you well-informed and confident in our investment decisions, especially during times of market volatility or economic uncertainty.
I encourage you to read all of our insights carefully. We view our relationship with you as a partnership, and your feedback on these communications is invaluable as we continue to refine and enhance our services.
Thank you for your trust and confidence in Marnoa Private Wealth Counsel. We look forward to sharing many more of these insightful letters with you in the years and decades to come.
Warm regards,
Pedro Ribeiro, CIM, FCSI
CEO and Portfolio Manager
519-707-0049
marnoa.ca
