MANA™ WEALTH PRO | B.Wealth4

Quick Start

Enter or adjust the core figures here. These fields stay synchronized with Wealth Profile.

Current Age

Retirement Age

Gross Income

Annual Spending

Annual Contributions

Cash Reserve

Run your wealth analysisProfile-only metrics can calculate immediately. Full projections activate after the required profile and allocation assumptions are complete.

Net Worth

—

Assets less liabilities

Liquid Reserve

—

Months of modeled spending

Savings Rate

—

Annual savings / gross income

FI Coverage

—

Portfolio vs modeled independence target

Wealth Score

Composite resilience & trajectory score

Wealth Trajectory

Projected investable assets under your base assumptions

Base Case

MANA Readiness Gauge

Blends liquidity, savings, debt, diversification and retirement progress

0/ 100

Complete your profile to generate a wealth readiness signal.

Current Asset Mix

Modeled investable allocation

Cash Flow Pulse

Annual income, spending and savings

Priority Signals

Highest-impact planning observations

Move from wealth planning to security-level conviction.

Subscribe to Seven Bulls valuation terminals to pressure-test the individual securities that power your long-term allocation.

Explore Valuation Terminals

Household Profile

Core assumptions used across the entire model

Current Age

Retirement Age

Planning Horizon Age

Filing Status

Annual Gross Income

Annual Income Growth %

Annual Spending

Inflation %

Annual Contributions

Employer Match

Pension / Social Security

Withdrawal Rate %

Balance Sheet

Enter today’s household assets and liabilities

Cash & Equivalents

Taxable Investments

Traditional Retirement

Roth Accounts

Real Estate Equity

Other Assets

Mortgage Balance

Other Debt

Avg. Debt Rate %

Monthly Debt Payments

Annual Insurance Premiums

Emergency Reserve Target (Months)

Total Assets

—

Total Liabilities

—

Investable Assets

—

Debt Service Ratio

—

Net Worth Composition

Assets and liabilities by category

Calculate wealth profileUpdates net worth, investable assets, reserve coverage, savings rate, debt service and cash-flow visuals from the values entered above.

Strategic Allocation

Enter each sleeve’s weight, expected return and volatility. Nothing is pre-filled.

Waiting for allocation

Average Correlation % Used to combine sleeve volatility into portfolio volatility

Risk / Return Map

Risk/return map built only from the assumptions you enter

Portfolio Diagnostics

Decision-useful signals derived from the same allocation assumptions

Run allocation

Waiting for analysisComplete the allocation inputsDiagnostics will identify concentration, return contribution, risk contribution and correlation sensitivity.

Expected Portfolio Return

—

Modeled Volatility

—

Diversification Score

Target Allocation

Portfolio weights entered by you; weights must total 100%

Allocation Analytics

Return contribution from your entered weights and expected returns

Asset Class	Weight	Exp. Return	Volatility	Return Contribution

Run allocation analysisWeights must total 100%. Enter expected return, volatility and the correlation assumption for every sleeve before running the analysis.

Projection Inputs

This projection runs independently. Enter only the assumptions needed for this projection.

Not run

Current Age

Retirement Age

Planning Horizon Age

Starting Portfolio

Annual Contribution

Expected Return %

Annual Spending

Retirement Income

Inflation %

Withdrawal Rate %

You can run this tab without completing Wealth Profile, Allocation, Retirement, Goals, Risk, Tax or Scenarios.

Base Wealth at Retirement

—

Real Wealth at Retirement

—

Base Wealth at Horizon

—

Years to FI Target

—

Multi-Scenario Wealth Projection

Bear, base and bull trajectories with modeled contributions and retirement withdrawals

Projection Assumptions

Adjust scenario offsets around your portfolio return

Bear Return Offset %

Bull Return Offset %

Retirement Spending % of Current

Contribution Growth %

Milestone Table

Selected ages across the base case

Age	Portfolio	Contribution	Retirement Spend	FI Coverage

Build wealth projectionUses your profile, allocation, contribution growth and bear/base/bull assumptions to calculate the wealth paths above.

Retirement Controls

Adjust retirement assumptions here without returning to Wealth Profile. Changes synchronize across the model.

Current Age

Retirement Age

Planning Horizon Age

Starting Portfolio

Annual Contribution

Expected Return %

Volatility %

Annual Spending

Retirement Spending %

Retirement Income

Inflation %

Withdrawal Rate %

Contribution Growth %

Run retirement analysisRuns the retirement projection and Monte Carlo analysis using the assumptions currently entered.

Retirement Readiness

Monte Carlo result generated from your entered return, volatility, spending and retirement assumptions

—modeled success

Required Nest Egg

—

Projected Nest Egg

—

Retirement Range

Monte Carlo percentile paths based on modeled return and volatility

Waiting

Annual Retirement Need

—

After modeled pension / Social Security

Safe Income @ Withdrawal Rate

—

Retirement Funding Gap

—

Retirement Cash-Flow Milestones

Selected retirement ages using your spending, inflation and retirement-income inputs

Age	Projected Balance	Gross Spending	Outside Income	Portfolio Withdrawal

Goal Assumption

Goals calculate independently using the return assumption entered here.

Not run

Expected Return %

Goal Planner

Track major goals without losing sight of long-term wealth

Goal Name

Target Amount

Years Until Goal

Already Funded

Funding Pressure

Annual savings required for your active goals

Total Goal Targets

—

Already Funded

—

Annual Funding Need

—

Goal Funding Schedule

Funding requirement for every goal using your portfolio return assumption

Goal	Target	Funded	Years	Annual Need

Analyze goal planAdd one or more goals, then calculate the combined annual funding pressure using your entered portfolio return assumptions.

Independent Risk Inputs

Risk does not require the Allocation tab. Enter portfolio value, volatility, recovery return, weights and shocks here.

Not run

Portfolio Value

Expected Volatility %

Expected Recovery Return %

Expected Volatility

—

1-Year Stress Loss

—

Recovery Estimate

0 yrs

Risk Capacity

—

Stress Test Matrix

User-defined shock inputs by asset class and their weighted portfolio impact

Asset Class	Weight	User Shock	Impact Contribution
Total Portfolio Shock			—

Drawdown & Recovery

Path generated from the stress shocks you enter below

Concentration Heatmap

Higher intensity indicates greater modeled allocation concentration

Run portfolio stress testEnter a stress shock for each asset sleeve, then calculate the estimated total portfolio impact and recovery path.

Tax & Drawdown Inputs

Enter the account balances and withdrawal assumptions for this tab directly.

Not run

Taxable Balance

Tax-Deferred Balance

Tax-Free Balance

Annual Portfolio Withdrawal

Retirement Age

Planning Horizon Age

Taxable Share

—

Tax-Deferred Share

—

Tax-Free Share

—

Modeled Tax Drag

—

Tax Assumptions

Used only for planning estimates inside this model

Marginal Income Tax %

Capital Gains Tax % (Reference)

Taxable Yield %

Annual Roth Conversion

MANA™ WEALTH PRO provides planning estimates, not tax advice. Modeled tax drag uses taxable-account share, taxable yield and marginal income-tax rate. Capital-gains tax is retained as an optional reference assumption for future planning extensions. Actual taxation depends on jurisdiction, account rules, security-level activity and personal circumstances.

Account Location Mix

Current investable wealth by tax treatment

Retirement Drawdown Sequence

Illustrative taxable → tax-deferred → tax-free withdrawal order

Account Tax Mix Table

Current account balances and shares calculated only from your entries

Account Type	Balance	Share	Planning Treatment

Calculate tax & drawdown analysisUses your account balances and tax assumptions to estimate account-location mix, tax drag and retirement withdrawal sequencing.

Base Scenario Inputs

Scenario Lab compares two plans entered entirely on this tab.

Not run

Current Age

Planning Horizon Age

Starting Portfolio

Base Retirement Age

Base Annual Contributions

Base Expected Return %

Base Annual Spending

Base Inflation %

Scenario Lab

Compare a changed decision against your base plan

Scenario Name

Retirement Age

Annual Contributions

Expected Return %

Annual Spending

One-Time Goal Cost

Goal Cost Year

Inflation %

Scenario Delta

Difference versus the current base case

Retirement Wealth Delta

—

Horizon Wealth Delta

—

Retirement Age Delta

Readiness Delta

Base vs Scenario

Projected wealth paths under both assumptions

Scenario Comparison Table

Base and alternate-plan values populate only after you run a complete scenario

Metric	Base	Scenario	Difference

Signal Measurements

Enter the measurements you want MANA to evaluate. This tab does not require any other tab.

Not run

Reserve Months

Savings Rate %

Debt Service %

Diversification Score

Retirement Success %

Goal Funding Pressure %

Planning Benchmarks

Set the benchmarks MANA uses when ranking your planning signals. These are user-controlled assumptions, not hidden defaults.

Reserve Target (Months)

Savings Benchmark %

Debt Service Benchmark %

Generate wealth signalsRanks liquidity, savings, debt, diversification, retirement and goal-funding signals using your current model and planning benchmarks.

Wealth Signals

Model-generated planning observations

Action Ladder

Highest-impact areas ranked by urgency

Priority	Area	Signal

Valuation Bridge

Where wealth planning meets investment selection

Security Valuation

Evaluate whether individual holdings are priced above or below your estimate of intrinsic value.

Fundamental Quality

Compare earnings power, cash flow, margins and balance-sheet strength before committing capital.

Portfolio Conviction

Use MANA for allocation context, then use Seven Bulls valuation tools for security-level diligence.

Open Seven Bulls Platform

Planning Snapshot

A concise summary of the current model state