Estate & Trust Planning Services

At Marnoa, we help clients develop coordinated estate and trust planning strategies that align with their broader financial goals.

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Building a Coordinated Strategy with Informed Guidance

Estate and trust planning protects your wealth, minimizing taxes, and ensures your wishes are carried out.

Estate Planning

A well-structured estate plan helps ensure your wealth is transferred according to your wishes while reducing unnecessary complexity for your family and beneficiaries. Estate planning involves more than drafting legal documents—it requires thoughtful coordination between your assets, beneficiary designations, tax strategy, and long-term objectives.

At Marnoa, we help clients organize their financial affairs, align account registrations and beneficiary arrangements, and work alongside legal professionals to support an efficient and well-coordinated wealth transfer strategy.

Trust Planning

Trusts can play an important role in preserving wealth, creating flexibility, and providing greater control over how assets are managed and distributed. Depending on your circumstances, trust structures may support intergenerational wealth planning, tax efficiency, asset protection, and family governance objectives.

We help clients evaluate whether trusts are appropriate for their situation and coordinate with legal and tax professionals to integrate trust planning into a broader financial and estate strategy.

Tax-Efficient Wealth Transfer

Without proactive planning, a significant portion of an estate can be lost to taxes upon death. Thoughtful wealth transfer strategies can help reduce potential tax liabilities, preserve more wealth for beneficiaries, and improve overall estate efficiency.

We work with clients to identify opportunities in capital gains planning, estate freezes, charitable giving strategies, and other tax-aware approaches, coordinating closely with their legal and tax professionals—or trusted external specialists when needed—to support long-term wealth preservation goals.

Business Succession & Estate Integration

For business owners, estate planning often extends beyond personal assets and requires careful consideration of how a business will transition in the future. Whether the goal is a family succession, management transition, or eventual sale, integrating business interests into an overall estate plan can help support continuity and reduce uncertainty.

We help clients coordinate ownership structures, corporate assets, and succession objectives so that business and personal planning strategies work together effectively.

Cross-Border Estate Planning

Families with financial ties to both Canada and the United States often face additional estate planning complexities. Differences in tax rules, residency considerations, and asset ownership across jurisdictions can create challenges if not addressed proactively.

Marnoa works with clients and specialized cross-border professionals to help coordinate estate strategies, navigate tax implications, and ensure that assets held in multiple jurisdictions align with broader goals and wealth transfer objectives.

Legacy and Multi-Generational Planning

Estate planning is ultimately about more than assets. For our clients, it is about the values, priorities, and legacy you wish to leave behind. Effective planning helps provide clarity for future generations, supports dependents and family members, and creates a framework for responsible wealth stewardship.

Whether your goals involve supporting children and grandchildren, charitable giving, or preserving family wealth over time, we help ensure your financial decisions reflect what matters most to you.
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Our Estate & Trust Planning Process

Working alongside legal and tax professionals, we focus on preserving wealth and simplifying complexity over time.

Discovery

We begin by getting to know you and what matters most, including your financial situation, assets, family structure, and long-term legacy objectives, to leverage our expertise accurately.

Strategy

We take the time to understand your situation and identify estate, tax, trust, and wealth-transfer opportunities based on your immediate situation and long-term goals and develop recommendations tailored to your circumstances.

Implementation

We work closely with your lawyer, accountant, and other professional advisors to help ensure the strategy is implemented effectively and consistently.

Optimization

Estate plans should evolve alongside your life. We review and update strategies as laws, assets, family circumstances, and objectives change over time.

Meet the Marnoa Team

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

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?

Clients choose Marnoa because estate planning is rarely an isolated exercise. It works best when integrated with investment management, tax planning, and long-term financial decision-making.
Our approach includes:

  • Coordination with lawyers, accountants, and estate professionals
  • Experience supporting complex family and business situations
  • Long-term, relationship-based guidance
  • Transparent, client-first advice focused on your objectives
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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
Any testimonials represent the experiences and views of individual clients and are not representative of all client experiences. The clients providing testimonials were clients of the adviser at the time the testimonial was provided. Neither direct nor indirect compensation was provided in exchange for the client’s testimonial.

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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Estate & Trust Planning FAQs

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

Estate planning is the process of organizing your affairs to ensure your assets are distributed according to your wishes. It can help reduce taxes, simplify administration, protect beneficiaries, and provide greater certainty for your family.

Depending on your circumstances, strategies may include tax-efficient investment planning, estate freezes, charitable giving, trust structures, and proactive capital gains planning. Effective estate planning often involves collaboration between financial, legal, and tax professionals.

It is generally advisable to review your estate plan after significant life events such as marriage, divorce, the birth of children or grandchildren, business changes, retirement, relocation, or major changes in financial circumstances.

Yes. Marnoa regularly collaborates with lawyers, accountants, and other professional advisors to help ensure estate, tax, and financial planning strategies work together effectively.

Business owners often require additional planning around succession, ownership structures, shareholder considerations, and the eventual sale or transfer of the business. A coordinated strategy can help support both business continuity and personal estate objectives.

Ready to Plan Your Legacy
with Confidence?

Whether you’re updating an existing plan, planning for a business transition, or exploring trust strategies for the first time, we’re here to help.

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