Retirement Planning & Income Strategy

At Marnoa, we help clients create personalized retirement plans that integrate income, tax, and investment strategies into a cohesive framework.

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Retirement Income Planning

A successful retirement plan begins with understanding how your wealth will support your lifestyle over time.

Withdrawal Strategies

The order and timing of withdrawals can significantly affect the longevity of your assets and the amount of tax you pay throughout retirement. We help clients develop step-by-step tax-efficient withdrawal strategies that coordinate RRSPs, RRIFs, TFSAs, non-registered accounts, and other sources of wealth.

By carefully managing the sequencing of withdrawals, we aim to provide clear guidance and help you reduce unnecessary taxes, ultimately avoiding common planning mistakes that can affect long-term outcomes.

Tax-Efficient Retirement Planning

Retirement often presents complexities related to taxes. However, there are many opportunities to manage taxes more effectively through thoughtful planning and coordination. We help clients evaluate strategies such as pension income splitting, tax-efficient withdrawal schedules, and the management of required RRIF withdrawals.

By integrating retirement planning with broader tax considerations, we seek to help clients retain more of their wealth and improve overall financial efficiency through each stage of retirement and across changing income needs.

Investment Strategy for Retirement

As retirement approaches, investment priorities often shift from wealth accumulation toward income generation, capital preservation, and risk management. These shifts should be handled with care and intention. We work with clients to develop investment strategies that support retirement income needs while maintaining an appropriate balance between growth and stability.

Our approach includes consideration of inflation, market volatility, and changing income requirements, with ongoing adjustments as circumstances evolve.

CPP, OAS & Pension Planning

Government benefits and workplace pensions are often important components of a retirement income plan. Decisions about when to begin the Canadian Pension Plan (CPP) and Old Age Security (OAS) benefits can have long-term implications for income sustainability and tax efficiency.

We help clients evaluate their options, integrate pensions and government benefits into their broader retirement strategy, and identify opportunities to reduce the impact of issues such as OAS clawbacks and unnecessary taxation.

Retirement Planning for Business Owners

Business owners often face unique retirement planning considerations, including how to transition from business income to personal retirement income. Whether planning for a future sale, succession, or gradual exit from the business, a coordinated strategy can help ensure personal and corporate assets work together effectively.

We help business owners evaluate corporate and personal withdrawal strategies, integrate retained earnings into retirement planning, and prepare for major transition events with greater confidence.
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Our Retirement Planning Process

Retirement planning is one of the most important financial transitions you’ll make. Let us help guide you through it.

Discovery

We begin by getting to know you and what matters most, such as your retirement timeline, current financial position, and vision for retirement. This allows us to build a strategy that reflects your priorities and lifestyle objectives.

Strategy

We take the time to understand your situation and develop a personalized retirement income strategy that integrates investment management, tax planning, withdrawal sequencing, and cash flow considerations.

Implementation

We coordinate the necessary adjustments across your accounts, investments, and income sources to put the strategy into action and ensure all components work together effectively. We also coordinate with your other advisors where needed to support effective execution.

Optimization

Retirement planning is an ongoing process. We regularly review your plan and make adjustments as markets, tax rules, personal circumstances, and spending needs evolve 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?

Retirement planning involves coordinating income, taxes, cash flow, and long-term financial goals into a strategy that can adapt. At Marnoa, we focus on helping clients build sustainable retirement income plans designed to support their lifestyle while preserving long-term financial security. Our approach allows important decisions to be evaluated within the context of your overall financial picture.

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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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Retirement Planning FAQs

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

The earlier you begin planning, the more options you typically have available. However, retirement planning can add value at any stage, whether you’re decades away from retirement or preparing to retire within the next few years.

The answer depends on your lifestyle goals, expected expenses, income sources, and desired level of financial flexibility. A personalized retirement plan can help determine how much capital may be required to support your objectives.

The optimal timing depends on factors such as your health, expected longevity, income needs, tax situation, and overall retirement strategy. Delaying benefits may increase future payments, but the right decision varies by individual circumstances.

Strategies may include tax-efficient withdrawal sequencing, pension income splitting, TFSA utilization, RRIF planning, and coordinating retirement income with government benefits and other tax considerations.

Yes. We work with business owners to develop retirement strategies that incorporate corporate assets, retained earnings, succession planning considerations, and the transition from business income to personal retirement income.

Ready to Plan Your Retirement
with Confidence?

Retirement should be supported by a clear and sustainable financial strategy. Whether you’re approaching retirement, recently retired, or evaluating important income decisions, we can help you create a plan designed to support your goals for years to come.

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