Comprehensive Financial Planning Services

Marnoa helps families, professionals, and business owners build coordinated financial plans that bring structure to cash flow, tax, estate, business, and long-term wealth decisions.

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Planning Across Your Financial Future

Financial planning connects today’s decisions with your goals for wealth, family, business, retirement, and legacy.

Cash Flow Analysis

Cash flow planning gives you a clearer view of how income, expenses, savings, and debt work together. We help you assess current spending patterns, identify opportunities to improve savings, and create a more intentional approach to managing liquidity.

For professionals, families, and business owners, this can include budgeting, debt reduction, emergency reserves, and planning for major life events. The objective is to bring structure to day-to-day decisions while supporting your longer-term financial priorities.

Tax Planning

Tax planning is an important part of building and preserving wealth over time. We help you evaluate tax-efficient investment strategies, income planning opportunities, and the interplay between personal and corporate tax where appropriate.

By integrating tax considerations into your broader financial plan, we help identify opportunities to reduce inefficiencies and support more informed decision-making across income, investments, retirement, and business ownership, while supporting long-term financial confidence through coordinated proactive planning efforts.

Estate Planning

Estate planning helps ensure your wealth is transferred with clarity, intention, and consideration for the people and causes that matter most to you. We help you identify priorities, review beneficiary designations, trust considerations, wealth transfer goals, and the financial implications of your estate plan.

Where legal advice is required, we coordinate with your legal professionals so planning decisions are aligned with your broader financial picture, family priorities, and long-term legacy objectives.

Small Business Planning

Small business planning often requires coordination between personal wealth, corporate structure, cash flow, tax planning, and long-term transition goals. We understand this interconnectedness. Our team helps business owners evaluate compensation strategies, retained earnings, succession planning, and potential exit considerations.

Our role is to bring structure to these decisions while coordinating with accountants and legal advisors where appropriate, so your business planning supports your family, retirement, and wealth objectives.
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Our Financial Planning Process

Financial planning should follow a clear process that turns complex decisions into coordinated next steps.

Discovery

We begin by getting to know you and what matters most, including your personal priorities and long-term goals, then build a clear understanding of your income, assets, liabilities, and broader circumstances so your financial plan reflects your complete picture.

Strategy

We take the time to understand your situation and identify planning opportunities across cash flow, investments, tax, retirement, estate, and business considerations, then align our recommendations with what matters most to you.

Implementation

We help bring your plan to life by turning recommendations into clear next steps, coordinating with your accountant, legal professionals, and other advisors where needed to support effective execution.

Optimization

As things change in your life, your family, or your business, we stay connected and revisit your plan with you to keep it aligned with what matters most and where you want to go.

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?

Financial planning should connect the major parts of your financial picture. At Marnoa, we provide independent advice, transparent planning, and client first guidance designed to support long term decisions through:

  • Integrated wealth strategy
  • Tax and estate coordination
  • Retirement income planning
  • Business planning insight
  • Local and cross-border experience
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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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Financial Planning FAQs

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

A financial planner helps you organize the major areas of your financial situation, including cash flow, savings, investments, retirement, tax planning, insurance, estate considerations, and long-term goals. The role is to help turn complex decisions into a clear, coordinated plan.

The cost of financial planning depends on the scope of advice, the complexity of your situation, and the services required. At Marnoa Private Wealth Counsel, financial planning is included as part of our full-service offering and integrated value proposition, typically delivered within a broader advisory relationship that includes investment management, ongoing advice, and regular review. In certain cases, additional costs may apply where complexity requires deeper analysis or collaboration with external tax and legal professionals.

Financial planning can benefit anyone looking for greater clarity and coordination in their decisions. Its value increases as your situation becomes more complex, including growing income, retirement decisions, business ownership, tax considerations, family wealth, estate planning, or cross-border matters. A planner helps bring structure and continuity to these decisions, keeping everything aligned with your long-term goals.

Your financial plan is tailored to you and may include cash flow analysis, savings strategy, retirement planning, investment planning, tax considerations, estate planning, insurance review, debt management, and business planning where relevant. We also incorporate stress testing and scenario analysis, looking at best-case and worst-case outcomes, so you can better understand how different decisions and market conditions may impact you over time. The exact scope is shaped around your goals, your circumstances, and what matters most to you.

Ready to Build Your
Financial Plan?

Take the next step toward a more coordinated financial plan with a consultation focused on your goals, planning opportunities, and long-term wealth strategy.

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