Mana Financial Life Design

Mana Financial Life Design serves individual and high‑net‑worth clients as well as employer plan sponsors, providing financial life planning, discretionary investment management, employee benefit plan advisory, estate planning support, and project consulting. The firm also offers account administration services and manages held‑away accounts through a third‑party aggregation platform to provide consolidated views and operational support.

Mana’s investment approach combines a long‑term view that global growth will persist with a bias toward liquid, low‑cost ETFs and mutual funds, implemented through goals‑based asset allocation and active tax management such as asset location and tax‑loss harvesting. The firm also employs more active techniques — including fundamental, technical, cyclical and charting analysis, use of third‑party managers, and the selective use of borrowing and derivatives in separately managed accounts — when consistent with a client’s objectives and risk tolerance.

Compared with many peers, Mana emphasizes client education and engagement, offering seminars, workshops, a bi‑weekly newsletter, and a Mana Network connecting clients to professional resources. It operates as a small advisory team managing roughly $106 million in discretionary assets and distinguishes its implementation toolkit by combining held‑away account integration via a third‑party portal with the limited, strategic use of leverage and derivatives in certain separately managed accounts.