MANA™ WEALTH PRO

INSTITUTIONAL CLIENT ANALYTICS TERMINAL v4.0
Financial Calculator
Retirement Parameters
100% dynamic calculation from your inputs
Personal Information
Age must be between 18 and 100
Must be greater than current age
Financial Assets
Enter a valid amount
Enter a valid amount
Market Assumptions
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Years to Retirement
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Projected Value
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Monthly Income
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Success Probability
Retirement Projection
MANA™ WEALTH
Decision Focus
Goal coverage: compare projected value, income target, and years remaining before changing assumptions.
Sensitivity Watch
Return, inflation, and contribution rate drive the widest outcome swings in this projection view.
Client Cue
Use the chart for direction, then use this space to explain the practical retirement tradeoff.
Retirement Readiness
Enter your parameters and click Calculate to see personalized analysis.
Monte Carlo Parameters
Advanced simulation from your inputs
Simulation Parameters
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Mean Outcome
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Median Outcome
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Success Probability
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VaR (95%)
Monte Carlo Results
MANA™ WEALTH
Simulation Read
Success probability should be reviewed beside downside percentiles, not as a standalone score.
Tail Risk
VaR and worst-case paths help frame how much buffer the client may need in weak markets.
Planning Cue
Use the recovered space to translate probability into action: save more, spend less, or adjust risk.
Monte Carlo Analysis
Run the simulation to see results based on your inputs.
Withdrawal Strategy
Dynamic withdrawal analysis
Portfolio Information
Withdrawal Settings
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Success Rate
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Ending Value
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Minimum Portfolio
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Max Sustainable Rate
Withdrawal Analysis
MANA™ WEALTH
Cash Flow
Withdrawal pressure should be checked against portfolio longevity and inflation-adjusted spending.
Guardrail
Lower early withdrawals can protect sequence risk when retirement begins during market stress.
Advisor Cue
Use this panel to explain the sustainable spending range before changing chart views.
Withdrawal Strategy
Enter your parameters to analyze withdrawal sustainability.
Portfolio Parameters
Modern Portfolio Theory optimization
Asset Allocation (%)
Total: 0%
Allocations must sum to 100%
Risk Parameters
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Expected Return
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Risk (Std Dev)
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Sharpe Ratio
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Max Drawdown
Portfolio Analysis
MANA™ WEALTH
Allocation Lens
Compare return, risk, and Sharpe before treating any allocation as the final recommendation.
Diversification
Broad exposure can reduce concentration risk even when projected returns appear similar.
Review Cue
Use this space to turn the allocation visual into a client-ready implementation note.
Portfolio Optimization
Enter your allocation to see optimized portfolio metrics.
Efficient Frontier
Risk-return optimization
Frontier Parameters
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Minimum Risk
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Max Sharpe Ratio
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Efficient Portfolios
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Diversification
Efficient Frontier
MANA™ WEALTH
Frontier Read
Efficient points show where expected return is strongest for each risk level.
Risk Match
The best portfolio is the one that fits the client mandate, not just the highest return point.
Tradeoff Cue
Use this panel to explain the incremental risk required for each extra return band.
Efficient Frontier
Generate the efficient frontier to see optimal portfolios.
Stress Test Parameters
Portfolio resilience under stress
Portfolio Configuration
Total: 0%
Allocations must sum to 100%
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Worst Case Loss
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Average Loss
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Max Drawdown
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Recovery Time
Stress Test Results
MANA™ WEALTH
Shock Lens
Loss severity should be paired with recovery time to judge whether the plan can absorb stress.
Resilience
Diversification and liquidity are the first checks when stress losses exceed client tolerance.
Action Cue
Use this area to recommend hedges, cash buffers, or rebalancing triggers after the chart loads.
Stress Testing
Run the stress test to see portfolio resilience.
Estate Planning
Comprehensive estate tax planning
Estate Assets ($)
Estate Parameters
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Total Tax
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Net to Heirs
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Effective Tax Rate
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Potential Savings
Estate Distribution
MANA™ WEALTH
Transfer Lens
Net-to-heirs is the key client-facing output after taxes, charitable gifts, and liquidity needs.
Planning Levers
Trusts, gifts, and insurance can be modeled as levers when estate shrinkage is high.
Family Cue
Use this panel to translate the estate visual into beneficiary and liquidity talking points.
Estate Planning
Enter your estate assets to calculate tax liability.

Wealth Management Insights

Expert knowledge to help you make better financial decisions

Retirement Planning
Essential Knowledge
4% Rule
Sustainable Withdrawal Rate

The 4% rule suggests you can withdraw 4% of your portfolio in the first year of retirement, adjusting for inflation annually, with a high probability of your money lasting 30 years.

25x
Retirement Multiple
30 yrs
Typical Horizon
  • Start early - compounding is your greatest ally
  • Maximize employer 401(k) matches (free money)
  • Consider Roth conversions in low-income years
  • Social Security claiming strategy matters
Pro Tip: Delaying Social Security until age 70 increases your benefit by 8% per year from full retirement age.
Portfolio Allocation
Modern Portfolio Theory
110 - Age
Equity Allocation Rule

A common rule of thumb: subtract your age from 110 to determine the percentage of your portfolio that should be in stocks.

60/40
Classic Portfolio
~7-9%
Historical Return
  • Diversification reduces risk without sacrificing returns
  • International exposure provides currency diversification
  • Bonds provide stability during market downturns
  • Rebalance annually to maintain target allocation
Pro Tip: Consider adding alternatives like REITs and commodities for additional diversification benefits.
Risk Management
Protecting Your Wealth
-34%
Max 60/40 Drawdown (2008)

Understanding your portfolio's risk tolerance is crucial. The worst-case scenario helps you prepare emotionally and financially.

3-5 yrs
Recovery Time
95% VaR
Worst 5% of cases
  • Sequence of returns risk can derail retirement
  • Consider a bond tent near retirement
  • Emergency fund: 6-12 months of expenses
  • Insurance is the foundation of risk management
Critical: A 20% market drop requires a 25% gain just to break even.
Estate Planning
Legacy Protection
$12.92M
Federal Exemption (2023)

The federal estate tax exemption is historically high but scheduled to sunset after 2025, potentially dropping to ~$6M.

40%
Top Federal Rate
0-16%
State Estate Tax
  • Beneficiary designations trump wills
  • Trusts can provide control and tax benefits
  • Annual gifting: $17,000 per person (2023)
  • Step-up in basis saves capital gains tax
Pro Tip: Use your annual gift tax exclusion to transfer wealth tax-free and reduce your taxable estate.
Tax Efficiency
Keep More of What You Earn
3
Tax Buckets

Assets should be placed strategically across taxable, tax-deferred, and tax-free accounts for maximum efficiency.

Roth
Tax-Free Growth
Traditional
Tax-Deferred
  • Put bonds in tax-deferred accounts
  • International funds in taxable (foreign tax credit)
  • Harvest tax losses to offset gains
  • Consider municipal bonds in high tax brackets
Pro Tip: Qualified dividends and long-term capital gains are taxed at preferential rates (0%, 15%, or 20%).
Behavioral Finance
The Psychology of Money
3.5%
Behavioral Gap

Investors underperform the funds they invest in by an average of 3.5% annually due to poor timing decisions.

Loss Aversion
Losses hurt 2x more
Recency Bias
Overweight recent events
  • Stay invested - time in market beats timing
  • Avoid panic selling during downturns
  • Create an investment policy statement
  • Automate your investments
Warning: The biggest risk is often our own behavior, not the market.