Manuka Financial

Manuka Financial works with individual and high‑net‑worth clients, providing discretionary investment management as well as both ongoing and project‑based financial planning. The firm combines personalized planning — addressing cash flow, retirement, tax and estate considerations — with continuous portfolio supervision.

The adviser says it implements Modern Portfolio Theory and primarily uses passive, asset‑class portfolios (index mutual funds and ETFs) to build diversified allocations, executing trades on a discretionary basis and conducting account reviews on a quarterly cadence. Custody and trade execution are handled through a recommended custodian platform, and clients receive account statements from that custodian rather than separate written investment reports from the firm.

Several features in the brochure distinguish the firm from many peers: it discloses that it solicits endorsements through a third‑party provider (a practice the firm notes in Item 14), and it generally structures fees around fixed planning and project fees with investment management included rather than relying on a standard percentage‑of‑assets model. The firm also manages a relatively large asset base with a small advisor team and limits its custodial role to fee debits rather than broader custody arrangements.