MANA™ WEALTH PRO

INSTITUTIONAL ASSET MANAGEMENT v3.2
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
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
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
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
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
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
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
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.