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      <image:caption>Source: Russell Investments Q4 2025 Economic &amp; Market Review. U.S. Small Cap: Russell 2000® Index; U.S. Large Cap: Russell 1000® Index; Non-U.S.: MSCI World ex-USA Net index; Infrastructure: S&amp;P Global Infrastructure Index; Global High Yield: Bloomberg Global High Yield Index; Global REITs: FTSE EPRA/NAREIT Developed Index; Municipals: Bloomberg Municipal 1-15 Yr. Blend Index, Cash: Bloomberg 1-3 Yr US Treasury Index; EM Equity: MSCI Emerging Markets Index; U.S. Bonds: Bloomberg U.S. Aggregate Bond Index; Balanced Index: 3% U.S. Small Cap,36% U.S. Large Cap,13% Non-U.S., 2% Infrastructure, 4% Global High Yield, 2% Global REITs, 2% Cash, 4% EM Equity, 34% U.S. Bonds. Index returns represent past performance, are not a guarantee of future performance, and are not indicative of any specific investment. Indexes are unmanaged and cannot be invested in directly.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Our Blog - 2025 Market Review &amp;amp; 2026 Economic Outlook: Emerging Markets, Gold, and the Fed - Make it stand out</image:title>
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    <loc>https://www.manafld.com/blog/2026/1/16/the-invisible-inheritance-trump-accounts-roth-iras-and-the-new-rules-of-generational-wealth-2026</loc>
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    <lastmod>2025-12-19</lastmod>
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    <loc>https://www.manafld.com/blog/2025/12/5/protecting-our-loved-ones-manas-big-guide-to-online-safety-for-seniors</loc>
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      <image:title>Our Blog - Protecting Our Loved Ones: Mana’s Big Guide to Online Safety for Seniors - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Our Blog - Protecting Our Loved Ones: Mana’s Big Guide to Online Safety for Seniors - Make it stand out</image:title>
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    <loc>https://www.manafld.com/blog/2025/11/21/giving-with-intention-in-2025-how-to-make-the-most-of-charitable-donations-under-the-obbba</loc>
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      <image:title>Our Blog - Maximize Your Worth in 2025: The New Rules of Salary Negotiation and Career Freedom - Make it stand out</image:title>
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    <loc>https://www.manafld.com/blog/2025/10/24/markets-moves-amp-mana-q3-2025-insights</loc>
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      <image:title>Our Blog - Markets, Moves &amp;amp; Mana: Q3 2025 Insights - Make it stand out</image:title>
      <image:caption>Source: Russell Investments Q3 2025 Economic &amp; Market Review. U.S. Small Cap: Russell 2000® Index; U.S. Large Cap: Russell 1000® Index; Non-U.S.: MSCI World ex-USA Net index; Infrastructure: S&amp;P Global Infrastructure Index; Global High Yield: Bloomberg Global High Yield Index; Global REITs: FTSE EPRA/NAREIT Developed Index; Municipals: Bloomberg Municipal 1-15 Yr. Blend Index, Cash: Bloomberg 1-3 Yr US Treasury Index; EM Equity: MSCI Emerging Markets Index; U.S. Bonds: Bloomberg U.S. Aggregate Bond Index; Balanced Index: 3% U.S. Small Cap,36% U.S. Large Cap,13% Non-U.S., 2% Infrastructure, 4% Global High Yield, 2% Global REITs, 2% Cash, 4% EM Equity, 34% U.S. Bonds. Index returns represent past performance, are not a guarantee of future performance, and are not indicative of any specific investment. Indexes are unmanaged and cannot be invested in directly.</image:caption>
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      <image:title>Our Blog - Markets, Moves &amp;amp; Mana: Q3 2025 Insights - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.manafld.com/blog/2025/10/10/how-tech-professionals-can-manage-concentrated-stock-positions-and-reduce-risk</loc>
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    <loc>https://www.manafld.com/blog/2025/9/26/open-enrollment-2025-what-individuals-and-couples-need-to-know</loc>
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    <lastmod>2025-09-26</lastmod>
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      <image:title>Our Blog - Open Enrollment 2025: What Individuals and Couples Need to Know - Make it stand out</image:title>
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    <loc>https://www.manafld.com/blog/2025/9/12/supporting-teenagers-and-adult-children-with-money-intentional-strategies-for-parents</loc>
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    <lastmod>2025-09-12</lastmod>
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      <image:title>Our Blog - Supporting Teenagers and Adult Children With Money: Intentional Strategies for Parents - Make it stand out</image:title>
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    <loc>https://www.manafld.com/blog/2025/8/29/how-rsus-are-taxed-a-guide-for-tech-and-startup-employees</loc>
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    <lastmod>2025-09-23</lastmod>
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      <image:title>Our Blog - How RSUs Are Taxed: A Guide for Tech and Startup Employees - Make it stand out</image:title>
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    <loc>https://www.manafld.com/blog/2025/8/15/beyond-the-numbers-how-to-build-a-portfolio-that-works-for-you</loc>
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    <lastmod>2025-08-15</lastmod>
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      <image:title>Our Blog - Beyond the Numbers: How to Build a Portfolio That Works for You - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.manafld.com/blog/2025/8/1/markets-moves-amp-mana-q2-insights</loc>
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    <priority>0.5</priority>
    <lastmod>2025-08-01</lastmod>
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      <image:title>Our Blog - Markets, Moves &amp;amp; Mana: Q2 Insights - Make it stand out</image:title>
      <image:caption>Source: Russell Investments Q2 2025 Economic &amp; Market Review. U.S. Small Cap: Russell 2000® Index; U.S. Large Cap: Russell 1000® Index; Non-U.S.: MSCI World ex-USA Net index; Infrastructure: S&amp;P Global Infrastructure Index; Global High Yield: Bloomberg Global High YieldIndex; Global REITs: FTSE EPRA/NAREIT Developed Index; Municipals: Bloomberg Municipal Index, Cash: FTSE Treasury Bill 3 Month Index; EM Equity: MSCI Emerging Markets Index; U.S. Bonds: Bloomberg U.S. Aggregate Bond Index; Balanced Index: 3% U.S. Small Cap,36% U.S. Large Cap,13% Non-U.S., 2% Infrastructure, 4% Global High Yield, 2% Global REITs, 2% Cash, 4% EM Equity, 34% U.S. Bonds. Index returns represent past performance, are not a guarantee of future performance, and are not indicative of any specific investment. Indexes are unmanaged and cannot be invested in directly.</image:caption>
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    <image:image>
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      <image:title>Our Blog - Markets, Moves &amp;amp; Mana: Q2 Insights - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Our Blog - Markets, Moves &amp;amp; Mana: Q2 Insights - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.manafld.com/blog/2025/7/18/seven-years-of-living-fully-the-milestones-that-matter-most</loc>
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    <priority>0.5</priority>
    <lastmod>2025-07-18</lastmod>
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      <image:title>Our Blog - Seven Years of Living Fully: The Milestones That Matter Most - Make it stand out</image:title>
      <image:caption>Pictured from left to right: Stephanie Bucko, Amy Johnson (one of Mana’s seed investors), and Cristina Livadary.</image:caption>
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    <loc>https://www.manafld.com/blog/2025/7/3/retirement-tax-strategies-for-high-earners-how-to-maximize-savings-and-build-long-term-wealth</loc>
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    <lastmod>2025-07-03</lastmod>
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    <lastmod>2025-04-25</lastmod>
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      <image:title>Our Blog - Mana’s Q1 2025 Market Recap: A Quarter of Contrasts - Make it stand out</image:title>
      <image:caption>Source: JP Morgan Asset Management: The quarter in review, what happened in Q1 2025? Data from Bloomberg, FactSet, MSCI, Russell, Standard &amp; Poor’s, J.P. Morgan Asset Management.  Large cap: S&amp;P 500, Small cap: Russell 2000, Growth: Russell 1000 Growth, Value: Russell 1000 Value, EM Equity: MSCI EM Equity (USD), Europe: MSCI Europe Equity (USD), Japan: MSCI Japan Equity (USD), US Agg: Bloomberg US Aggregate, High Yield: Bloomberg US HY Index, Cash: Bloomberg 1-3m Treasury, EM Debt (LCL): Bloomberg EM Local Currency Government, Euro Agg. (LCL): Bloomberg Euro Aggregate Government Treasury, Gold: NYMEX Gold near term, Bitcoin: CoinMarketCap. Data are as of April 1, 2025.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae971e189c1728f14ad3c0f/fa582094-c96d-43f6-8929-68b7585b5b4b/Screenshot+2025-04-25+at+1.11.26%E2%80%AFPM.png</image:loc>
      <image:title>Our Blog - Mana’s Q1 2025 Market Recap: A Quarter of Contrasts - Make it stand out</image:title>
      <image:caption>Source: Statistica</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae971e189c1728f14ad3c0f/cd2605e7-cdeb-4740-9a73-0f680ee87d22/Screenshot+2025-04-25+at+1.11.32%E2%80%AFPM.png</image:loc>
      <image:title>Our Blog - Mana’s Q1 2025 Market Recap: A Quarter of Contrasts - Make it stand out</image:title>
      <image:caption>Source: YCharts.  Total Return Level for S&amp;P 500 Consumer Discretionary (Sector) (^SPXCNDS), S&amp;P 500 Consumer Staples (Sector) (^SPXCNSS), S&amp;P 500 Energy (Sector) (^SPXNRGS), S&amp;P 500 Financials (Sector) (^SSPS), S&amp;P 500 Health Care (Sector) (^HCX), S&amp;P 500 Industrials (Sector) (^SPXINS), S&amp;P 500 Information Technology (Sector) (^SPXIFTS), S&amp;P 500 Materials (Sector) (^SPXMS), S&amp;P 500 Real Estate (Sector) (^SPXRES), S&amp;P 500 Utilities (Sector) (^SPXUS).</image:caption>
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    <lastmod>2025-03-07</lastmod>
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      <image:caption>Extensive research has shown that, if you have a diversified portfolio, a whopping 88% of your experience (the volatility you encounter and the returns you earn) can be traced back to your asset allocation. - Vanguard.</image:caption>
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    <lastmod>2024-11-15</lastmod>
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      <image:title>Our Blog - Mana’s Q3 2024 Market &amp;amp; Economic Update - Make it stand out</image:title>
      <image:caption>Extensive research has shown that, if you have a diversified portfolio, a whopping 88% of your experience (the volatility you encounter and the returns you earn) can be traced back to your asset allocation. - Vanguard.</image:caption>
    </image:image>
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      <image:title>Our Blog - Mana’s Q3 2024 Market &amp;amp; Economic Update - Make it stand out</image:title>
      <image:caption>Source: T. Rowe Price Asset Allocation Viewpoints October 2024. Past performance is not a reliable indicator of future performance. Data from MSCI. Emerging Markets ex-China and China are represented by the MSCI Emerging Markets ex-China Index and MSCI China Index, respectively.  Data from Bloomberg Finance L.P.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae971e189c1728f14ad3c0f/bd134aa1-3800-4401-990e-b1d4fa6a71e1/Screenshot+2024-08-09+at+2.42.21%E2%80%AFPM.png</image:loc>
      <image:title>Our Blog - Mana’s Mid Year 2024 Market &amp;amp; Economic Update - Make it stand out</image:title>
      <image:caption>Extensive research has shown that, if you have a diversified portfolio, a whopping 88% of your experience (the volatility you encounter and the returns you earn) can be traced back to your asset allocation. - Vanguard.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae971e189c1728f14ad3c0f/c3bcab5e-8599-444c-9e0b-fabe16a0bf7e/Screenshot+2024-08-09+at+2.42.32%E2%80%AFPM.png</image:loc>
      <image:title>Our Blog - Mana’s Mid Year 2024 Market &amp;amp; Economic Update - Make it stand out</image:title>
      <image:caption>Source: Russell Investments Q2 Economic and Market Review - Morningstar. As of 6/30/2024. Index returns represent past performance, are not a guarantee of future performance, and are not indicative of any specific investment.</image:caption>
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    <image:image>
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      <image:title>Our Blog - Mana’s Mid Year 2024 Market &amp;amp; Economic Update - Make it stand out</image:title>
      <image:caption>Source: Russell Investments Q2 Economic and Market Review. As of 6/30/2024. Index returns represent past performance, are not a guarantee of future performance, and are not indicative of any specific investment.</image:caption>
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      <image:title>Our Blog - Mana’s Mid Year 2024 Market &amp;amp; Economic Update - Make it stand out</image:title>
      <image:caption>Russell Investments Q2 Economic and Market Review. As of 6/30/2024. Index returns represent past performance, are not a guarantee of future performance, and are not indicative of any specific investment.</image:caption>
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    <lastmod>2024-07-26</lastmod>
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    <lastmod>2024-07-12</lastmod>
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    <lastmod>2024-06-19</lastmod>
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      <image:title>Our Blog - Mana’s 2024 Retreat Reflections - Make it stand out</image:title>
      <image:caption>Our task mapping exercise: clustering and organizing business processes together!</image:caption>
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    <loc>https://www.manafld.com/blog/2024/5/3/manas-economic-and-market-update-q1-2024</loc>
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    <lastmod>2024-06-19</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae971e189c1728f14ad3c0f/6d5e2b2b-7e6d-49a1-a95d-73279a83ad1a/Screenshot+2024-05-03+at+2.38.34%E2%80%AFPM.png</image:loc>
      <image:title>Our Blog - Mana’s Economic and Market Update Q1 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae971e189c1728f14ad3c0f/945b1af4-5243-463d-aabd-850c2a6cd97a/Screenshot+2024-05-03+at+2.38.43%E2%80%AFPM.png</image:loc>
      <image:title>Our Blog - Mana’s Economic and Market Update Q1 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Our Blog - Mana’s Economic and Market Update Q1 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Our Blog - Mana’s Economic and Market Update Q1 2024 - Make it stand out</image:title>
      <image:caption>Source: New York Times: A Strong US Dollar Weighs on the World</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.manafld.com/blog/long-term-care-options</loc>
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    <lastmod>2024-06-28</lastmod>
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    <lastmod>2024-06-19</lastmod>
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    <lastmod>2024-06-19</lastmod>
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    <lastmod>2024-06-19</lastmod>
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      <image:title>Our Blog - Mana’s Q4 2023 Economic and Market Review - Make it stand out</image:title>
      <image:caption>Extensive research has shown that, if you have a diversified portfolio, a whopping 88% of your experience (the volatility you encounter and the returns you earn) can be traced back to your asset allocation. - Vanguard.</image:caption>
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      <image:title>Our Blog - Mana’s Q4 2023 Economic and Market Review - Make it stand out</image:title>
      <image:caption>Source: BlackRock, January Student of the Market. Morningstar as of 12/31/23. U.S. bonds represented by the IA SBBI US Gov IT Index from 1/1/26 to 1/3/89 and the Bloomberg U.S. Agg Bond TR Index from 1/3/89 to 12/31/23. Past performance does not guarantee or indicate future results. Index performance is for illustrative purposes only. You cannot invest directly in the index.</image:caption>
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      <image:title>Our Blog - Mana’s Q4 2023 Economic and Market Review - Make it stand out</image:title>
      <image:caption>Source: Barclays and Russell Investments. Municipal Bonds: Bloomberg Municipal Bond Index. Certificates of deposit (CDs) offer a fixed rate of return, and the interest and principal on CDs will generally be insured by the FDIC up to $250,000. Top Federal Income Tax Rate* and Taxable Equivalent Yield: Based on maximum tax rate of 40.8% for Married Filing Jointly, including 3.8% Net Investment Income Tax.</image:caption>
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    <loc>https://www.manafld.com/blog/2024/1/12/setting-intentions-in-2024</loc>
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    <lastmod>2024-06-19</lastmod>
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    <lastmod>2024-06-19</lastmod>
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    <loc>https://www.manafld.com/blog/2023/11/17/will-vs-trusts-estate-planning-simplified</loc>
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    <lastmod>2024-06-28</lastmod>
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    <lastmod>2024-06-19</lastmod>
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      <image:caption>Extensive research has shown that, if you have a diversified portfolio, a whopping 88% of your experience (the volatility you encounter and the returns you earn) can be traced back to your asset allocation. - Vanguard.</image:caption>
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    <lastmod>2024-06-19</lastmod>
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    <loc>https://www.manafld.com/blog/2023/10/6/making-your-child-a-millionaire</loc>
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    <lastmod>2024-06-28</lastmod>
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      <image:title>Our Blog - Making your child a millionaire - Make it stand out</image:title>
      <image:caption>Note: All values are approximate and calculated based on assumed yearly contributions until age 18 and a 7% annual return from age 0 to 65. This assumes no withdrawals are made at any time before the age of 65 is reached. These figures are for illustrative purposes and may vary based on market conditions and individual investment decisions.</image:caption>
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    <loc>https://www.manafld.com/blog/from-saving-to-splurging</loc>
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    <lastmod>2024-06-19</lastmod>
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    <lastmod>2024-06-19</lastmod>
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    <lastmod>2024-06-19</lastmod>
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    <loc>https://www.manafld.com/blog/2023/8/11/manas-2nd-quarter-economic-and-market-update</loc>
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    <lastmod>2024-06-19</lastmod>
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    <lastmod>2024-06-28</lastmod>
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    <lastmod>2024-06-19</lastmod>
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      <image:caption>Beautiful Sagres</image:caption>
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      <image:caption>One of our delicious working lunches in Sagres</image:caption>
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      <image:title>Our Blog - Q1 2023 Economic and Market Commentary + Outlook - Make it stand out</image:title>
      <image:caption>Source: Russell Investments Economic and Market Review, Q1 2023</image:caption>
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      <image:caption>4Q22 Economic &amp; Market Review, Russell Investments</image:caption>
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      <image:title>Our Blog - Mana’s 2022 Market Review - Make it stand out</image:title>
      <image:caption>Source: J.P. Morgan Asset Management, (Left) Bloomberg, FactSet, Federal Reserve; (Right) Census Bureau, Congressional Budget Office (CBO). State and local debt are based on the Census Bureau’s Annual Survey of State and Local Government Finances. Municipal tax-equivalent yield assumes a top-income tax bracket rate of 37% plus a Medicare tax rate of 3.8% for a total tax rate of 40.8%. Guide to the Markets – U.S. Data are as of December 31, 2022.</image:caption>
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      <image:title>Our Blog - Mana’s 2022 Market Review - Make it stand out</image:title>
      <image:caption>Source: FactSet, MSCI, J.P. Morgan Asset Management. *Cycles of outperformance include a qualitative component to determine turning points in leadership. Guide to the Markets – U.S. Data are as of December 31, 2022.</image:caption>
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      <image:caption>Source: JP Morgan Guide to the Markets Q4 2022. Source: Bloomberg, FactSet, Federal Reserve, Robert Shiller, Strategas/Ibbotson, J.P. Morgan Asset Management. Returns shown are based on calendar year returns from 1950 to 2021. Stocks represent the S&amp;P 500 Shiller Composite and Bonds represent Strategas/Ibbotson for periods from 1950 to 2010 and Bloomberg Aggregate thereafter. Growth of $100,000 is based on annual average total returns from 1950 to 2022. Guide to the Markets – U.S. Data are as of December 31, 2022.</image:caption>
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      <image:caption>Source: YCharts. Asset classes are represented by the following indices. Note you are not able to invest directly in an index. US Real Estate = Dow Jones US Real Estate Index Total Return, US Growth Stocks = Russell 1000 Growth Total Return, Commodities = S&amp;P GSCI Total Return, US Small Cap = Russell 2000 Total Return, S&amp;P 500 = S&amp;P 500 Total Return, US Value Stocks = Russell 1000 Value Total Return, World ex USA = MSCI World Ex USA Total Return, Emerging Markets = MSCI Emerging Markets Total Return, Aggregate Bonds = Barclays US Aggregate Total Return, Muni Bonds = Barclays Municipal Bond Total Return, US Treasuries = Barclays US Treasury Total Return. Past performance is no guarantee of future results.</image:caption>
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    <loc>https://www.manafld.com/blog/long-term-care-advice</loc>
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    <lastmod>2024-06-28</lastmod>
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    <lastmod>2024-06-19</lastmod>
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    <lastmod>2024-06-19</lastmod>
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      <image:caption>Source: CD Rates: Bankrate from 1984-2009; Federal Reserve Economic Data (FRED) 2010-2018. Inflation: FactSet Financial Data.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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