Cross-Border Services
For Milton 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 Milton
Marnoa serves Milton families, professionals, business owners, and retirees with structured financial planning designed to support long-term wealth and major life transitions.
Serving Clients Across Milton
We work with Milton 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 Milton.
Estate & Trust Planning
We support estate and trust planning for Milton families seeking to protect wealth, simplify future transitions, and align legacy decisions with long-term family priorities.
Financial Planning
Our financial planning process helps Milton 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 Milton 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 Milton 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 Milton 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 Milton clients preserve and grow wealth through a structured approach.
Why Milton Clients Choose Marnoa
Milton clients choose Marnoa for independent advice, thoughtful planning, and long-term financial guidance. We help clients navigate financial complexity through a disciplined advisory approach based on:
- Personalized financial advice
- Long-term planning approach
- Experience with Ontario tax and financial regulations
- Transparent, client-first strategies
- Trusted relationships with families and professionals
- 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
Learn more from common questions about advisory services, financial planning and remote support in Milton.
A financial advisor can help bring structure to important decisions involving retirement planning, investments, taxes, home ownership, business planning, and long-term wealth management.
Yes. We work with Milton clients through virtual meetings, phone calls, and ongoing remote advisory support, offering flexibility for busy professionals and families.
Yes. We support growing families and professionals navigating career progression, wealth accumulation, home purchases, retirement planning, and long-term financial goals.
Yes. We help clients evaluate cash flow, savings priorities, debt management, insurance considerations, and long-term planning decisions related to family growth and home ownership.
A financial plan should generally be reviewed annually, or whenever significant changes occur involving income, family circumstances, home ownership, retirement goals, or investments.