Strategic Tax Planning Services

At Marnoa, we work with individuals, business owners, incorporated professionals, and high-income earners alongside trusted tax and legal professionals to align tax decisions with broader goals.

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Tax Planning Areas We Support

Explore the core tax planning areas we help coordinate across your personal, business, investment, and legacy goals.

Personal Tax Planning

Personal tax planning is most effective when your income, savings, investments, and family priorities are considered together. We help you evaluate contribution strategies, income structuring opportunities, capital gains timing, charitable giving, and other approaches that may improve after-tax outcomes.

Rather than focusing only on a single tax year, we create a coordinated framework with your accountant that supports your long-term financial plan—bringing greater clarity, discipline, and intention to how each decision fits within your broader goals, across jurisdictions where relevant.

Corporate Tax Planning

For business owners and incorporated professionals, tax planning often connects corporate structure, compensation, retained earnings, and personal wealth. We help you assess salary versus dividend strategies, tax deferral opportunities, and the integration between personal and corporate tax.

Our approach is designed to support efficient decision-making while ensuring corporate planning remains aligned with your retirement goals, investment strategy, cash flow needs, and longer-term family priorities.

Investment Tax Strategies

Investment tax strategy plays an important role in preserving and building after-tax wealth over time. We help you consider tax-efficient portfolio structure, asset location, dividend treatment, interest income, and capital gains planning across registered and non-registered accounts.

By integrating tax considerations into portfolio design alongside your accountant, we help reduce unnecessary tax drag while maintaining a disciplined investment approach that remains suited to your broader financial objectives and long-term plan.

Retirement Tax Planning

Retirement income planning is most effective when multiple sources of wealth are coordinated thoughtfully over time. We help evaluate withdrawal sequencing, income structuring opportunities, government benefit thresholds, tax brackets, and estate considerations.

Rather than focusing on isolated decisions, we design a coordinated, forward-looking framework that supports your broader financial plan—helping ensure your income strategy remains clear, sustainable, and aligned with your lifestyle needs while managing tax exposure over time and across generations.

Estate & Legacy Tax Planning

Estate and legacy tax planning helps you prepare for the future transfer of wealth with greater intention and structure. We work with you and your professional advisors to consider taxes payable on death, estate freezes, trust planning, charitable giving, beneficiary designations, and intergenerational wealth transfer.

Our focus is to help preserve family continuity, reduce unnecessary complexity, and support legacy decisions within a thoughtful long-term plan designed around your goals and values.

Small Business Tax Planning

Small business tax planning often involves both immediate cash flow decisions and long-term transition considerations. We help you assess compensation strategies, corporate tax minimization, retained earnings, succession planning, and potential exit planning.

We also coordinate with your accountants and legal advisors so decisions are implemented within the proper professional framework and aligned with your personal wealth, retirement goals, family priorities, and the future direction of the business.
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Our Tax Planning Process

Our approach turns complex tax planning considerations into clear next steps that can be reviewed and refined over time.

Discovery

We begin by understanding your income sources, business structure, family circumstances, investment accounts, and long-term objectives, so tax planning is grounded in your complete financial picture.

Strategy

We identify opportunities across personal, corporate, investment, retirement, and estate planning, organizing recommendations around timing, priorities, and practical implementation. Where appropriate, we engage with legal and tax partners to ensure advice is coordinated and effectively executed.

Implementation

We facilitate implementation by working alongside your accountant, legal advisor, and other professionals, helping translate planning into action and ensuring strategies are applied consistently and effectively.

Optimization

We provide ongoing oversight, revisiting your tax strategy as rules, markets, business conditions, and personal circumstances evolve—helping ensure it remains aligned with your long-term objectives and continues to be applied effectively.

Meet the Marnoa Team

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

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.

Meet Pedro
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.

Meet Nadeem
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.

Meet Christopher
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 for Tax Planning?

Tax planning should be proactive, coordinated, and connected to your broader financial picture. At Marnoa, our approach is designed to help you make tax decisions with greater structure through:

  • Year-round planning beyond filing season
  • Integration with your full financial plan
  • Coordination with accountants and legal advisors
  • Transparent, client-first guidance
  • Strategies specifically tailored to individuals and businesses
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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 across 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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Tax Planning FAQs

Explore common tax planning questions about timing, coordination, and long-term financial strategy.

Tax filing reports what has already happened. Tax planning looks ahead. It helps you make informed decisions throughout the year around income, investments, deductions, retirement withdrawals, corporate compensation, and estate planning so your tax position is more intentional and coordinated.

Legal tax reduction often involves using available planning tools appropriately, such as RRSPs, TFSAs, pension income splitting, capital gains planning, charitable giving, corporate compensation planning, and tax-efficient investment structuring. The right approach depends on your income, assets, family circumstances, and long-term goals.

Tax planning is best started early in the year and revisited before major financial decisions are made. Waiting until tax filing season can limit your options, because many opportunities depend on timing, account contributions, compensation choices, investment sales, or corporate planning decisions.

Yes. We frequently coordinate with accountants, legal professionals, and other advisors. Our role is to help ensure tax planning is connected to your broader financial plan, while your accountant or tax professional provides specific tax filing and compliance advice.

No. While tax planning can be especially important for high-income earners, incorporated professionals, and business owners, it can also benefit retirees, investors, families, and anyone making significant financial decisions. The value comes from aligning tax choices with your broader goals.

Ready to Optimize Your
Tax Strategy?

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

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