{"url":"https://nivawealth.com/firms/mana-financial-life-design-298277","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/298277","regulatoryAum":106079775,"crd":"298277","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5204309","suffix":null,"lastName":"BUCKO","firstName":"STEPHANIE","middleName":"CHARLENE"},{"crd":"6721739","suffix":null,"lastName":"Gerlings","firstName":"Janet","middleName":"Lynn"},{"crd":"7332492","suffix":null,"lastName":"JAMES","firstName":"ERICA","middleName":"NICOLE"},{"crd":"5179231","suffix":null,"lastName":"LIVADARY","firstName":"MARIA","middleName":"CRISTINA PALANCA"}],"total":4,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"secFileNumber":"801-135930","legalName":"Mana Financial Life Design, LLC","displayName":"Mana Financial Life Design","slug":"mana-financial-life-design-298277","website":"https://manafld.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/manafld","xUrl":"https://twitter.com/ManaFLD","founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":["Mana","Mana FLD"],"registration":{"secApproved":"22 April 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":815316.7301587302,"staff":{"employees":5,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":106079775,"discretionary":106079775,"discretionaryAccounts":470,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":88,"regulatoryAum":28577490},{"label":"High-net-worth individuals","clients":38,"regulatoryAum":74152418},{"label":"Pension and profit-sharing plans","clients":7,"regulatoryAum":3310849},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":39018}],"feePrograms":[{"role":"other","program":"Employee Benefit Plan Services","summary":"A fee of 0.50% of total plan assets, excluding fees to recordkeepers, custodians and third-party administrators.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023403","versionId":1023403,"submittedOn":"2026-03-23","documentName":"FORM ADV PART 2A 2B"},{"role":"other","program":"Estate Planning Services","summary":"Hourly fees of $500 per hour, with additional hourly fees possible, plus any third-party estate firm fee included in the total.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023403","versionId":1023403,"submittedOn":"2026-03-23","documentName":"FORM ADV PART 2A 2B"},{"role":"other","program":"Financial Life Design","summary":"An annual planning fee of $6,000 to $25,000 based on complexity, negotiable in certain cases.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023403","versionId":1023403,"submittedOn":"2026-03-23","documentName":"FORM ADV PART 2A 2B"},{"role":"other","program":"Hourly Financial Planning Fee","summary":"Hourly financial planning at $500 per hour depending on complexity, negotiable in certain cases.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023403","versionId":1023403,"submittedOn":"2026-03-23","documentName":"FORM ADV PART 2A 2B"},{"role":"other","program":"Project Consulting Fee","summary":"A fixed fee of $500 to $20,000 for project consulting for financial planning, negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023403","versionId":1023403,"submittedOn":"2026-03-23","documentName":"FORM ADV PART 2A 2B"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T16:08:27.293044+00:00","documents":[{"name":"FORM ADV PART 2A 2B","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023403","versionId":1023403,"submittedOn":"2026-03-23"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":100931271}],"custodyNote":"Mana Financial Life Design has custody of $1.67B in client assets for 57 clients.","otherCustodians":[],"leadership":[{"name":"Stephanie Bucko","title":"CIO, CCO","crd":"5204309"},{"name":"Cristina Livadary","title":"CEO","crd":"5179231"}],"ownership":[{"label":"Mana Management Partners, LLC","detail":"Owner in the 75% or more ownership band and a control person, since July 2018."},{"label":"Stephanie Bucko","detail":"Indirect owner: a cio, cco of Mana Management Partners, LLC in the 50% to 75% band and a control person, since July 2018.","parent":"Mana Management Partners, LLC"},{"label":"Cristina Livadary","detail":"Indirect owner: a ceo of Mana Management Partners, LLC in the 50% to 75% band and a control person, since July 2018.","parent":"Mana Management Partners, LLC"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"412-721-3443","stateRegisteredReps":3,"otherAdviserReps":2,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund managers)","Educational seminars/workshops"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":81},{"label":"U.S. state and local bonds","percent":4},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":11},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"31 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/298277/PDF/298277.pdf","brochureDate":"23 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023403","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Mana Financial Life Design have?","answer":"Mana Financial Life Design has 133 clients and manages $106 million for them, as of March 2026. They include 88 individual clients, 38 high-net-worth individuals, and 7 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Mana Financial Life Design offer?","answer":"Mana Financial Life Design provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Mana Financial Life Design use?","answer":"Mana Financial Life Design’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $101M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Mana Financial Life Design have?","answer":"Mana Financial Life Design has 3 investment adviser representatives registered with state securities authorities, out of 5 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Mana Financial Life Design invest in?","answer":"At the end of its last fiscal year, Mana Financial Life Design’s separately managed accounts held 81% exchange-traded equities, 11% registered funds (mutual funds, ETFs, BDCs), 4% state and local bonds, 3% cash and equivalents, 1% investment grade corporate bonds and 1% pooled vehicles (private funds and similar).","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Mana Financial Life Design?","answer":"Mana Financial Life Design is owned through a holding company by Stephanie Bucko and Cristina Livadary. Its direct owner is Mana Management Partners, LLC (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Mana Financial Life Design get paid?","answer":"Mana Financial Life Design is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Mana Financial Life Design?","answer":"Its phone number is 412-721-3443. Its website is manafld.com.","source":"Form ADV Part 1A, Item 1.F, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}