Integrated wealth management for
Miami Beach’s complex financial lives.

Financial Advisor & Wealth Management in Miami, Florida

Manna Wealth Management provides financial planning, investment management and retirement guidance for executives, entrepreneurs, business owners, professionals, retirees and high-net-worth families in Miami Beach and across South Florida.

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What does Manna help Miami Beach clients manage?

Manna Wealth Management helps clients organize the financial decisions that sit behind their investment accounts.

For a Miami Beach household, that can mean coordinating a primary residence or additional real estate, business ownership, retirement accounts, taxable investments, executive compensation, insurance, liquidity needs and family goals within one broader financial plan.

The objective is not to treat every affluent household the same. It is to understand what the client owns, what the assets are intended to accomplish, how much liquidity is needed and which risks or decisions deserve attention first.
Local perspective: In Miami Beach, substantial net worth can coexist with limited liquidity. Real estate, private businesses and concentrated investments can all be valuable while behaving very differently from liquid financial assets.

Miami Beach wealth can take very different forms.

The planning process begins with the household’s actual financial structure rather than with a model portfolio.

Business owners & founders

Business value, owner income, liquidity, retirement funding and potential future transitions can all affect the household plan.

Executives & professionals

Salary, bonuses, equity compensation, employer retirement plans and concentrated company exposure may need to be viewed together.

Property-heavy households

High-value property can materially increase net worth while still creating questions around liquidity, insurance, debt and carrying costs.

Retirees & pre-retirees

Planning can connect portfolio withdrawals, Social Security, retirement accounts, spending, reserves and major property expenses.

High-net-worth families

Complex families may need coordination across investments, cash flow, taxes, estate planning, insurance, charitable goals and family priorities.

Multi-state & globally connected families

Families with property, businesses or financial relationships in multiple places may need additional coordination with tax and legal professionals.

Where financial complexity often shows up.

For Miami Beach clients, the portfolio is often only one part of the financial picture.

Net worth is not the same as accessible capital.

A valuable residence or investment property can dominate the balance sheet without providing day-to-day liquidity. Planning can evaluate cash reserves, debt, carrying costs and the role of property in long-term goals.

Private-company wealth requires its own planning lens.

An operating business may be the family’s largest asset. Liquidity, diversification, retirement and future transition decisions can be considered alongside personal investments.

Turn assets into a spending framework.

Retirement planning can test income needs, withdrawal assumptions, Social Security, market scenarios, liquidity and large future expenses.

Look beyond the brokerage account.

Real estate, company stock and private-business ownership can create economic concentration even when the investment portfolio itself is diversified.

Connect financial assets to family objectives.

Estate-planning considerations, beneficiary designations, liquidity and charitable goals can be coordinated with qualified legal and tax professionals.

Financial planning and investment management for Miami Beach.

The scope of services depends on the client’s circumstances and advisory agreement, but Manna’s planning work can extend well beyond portfolio construction.

Tailored Financial Planning

Bring goals, assets, liabilities, income, spending, insurance considerations and investment recommendations into one coordinated plan.

Investment & Asset Management

Ongoing investment advice and portfolio management based on objectives, time horizon, risk considerations and the broader household balance sheet.

Retirement Planning

Evaluate retirement timing, spending, income needs, retirement accounts, Social Security and what-if scenarios before and during retirement.

401(k) Guidance

Review employer retirement assets and connect workplace plans with IRAs, taxable investments and the broader retirement strategy.

Financial Modeling

Use cash-flow analysis, net-worth projections and scenario modeling to examine possible outcomes before major financial decisions.

Tax-Minded Guidance

Consider tax-sensitive planning issues within the broader financial plan and coordinate specialized tax advice with the client’s CPA or tax professional.

Insurance Review

Review protection needs alongside income, assets, family responsibilities, liquidity and other financial priorities.

Estate Planning Review

Consider estate-planning issues within the financial plan while legal drafting and implementation remain with qualified estate counsel.

Education Planning

Evaluate education goals and funding recommendations while keeping retirement, cash flow and other family priorities in view.

Ongoing Strategic Advice

Revisit the strategy as markets, income, property ownership, family circumstances, retirement timing or goals change.

Situational Counsel

Organize financial decisions after a business sale, inheritance, career transition, major liquidity event or other significant change.

High-Net-Worth & UHNW Planning

Coordinate investment management, financial planning, tax strategy, estate and legacy considerations and family-office-level issues for appropriate complex clients.

Wealth management should coordinate the whole balance sheet.

For affluent Miami Beach families, the difficult decisions often sit between accounts rather than inside them.

A family may simultaneously own substantial real estate, a private business, taxable investments, retirement accounts and concentrated equity while also thinking about retirement, charitable giving, family support and eventual wealth transfer.

Investment strategy
Liquidity planning
Retirement modeling
Concentrated wealth
Tax coordination
Estate & legacy coordination

David D. Kassir

AAMS(R), CMFC(R),

CBDA(R)

Managing Director | Senior Financial Advisor

Private wealth management experience with a South Florida presence.

David D. Kassir, AAMS®, CMFC, CBDA, serves as Managing Director and Senior Financial Advisor of Manna Wealth Management.

David began his career in 1994, including work involving corporate retirement plans and retirement planning. He later became part of Manna’s ownership history through a 2009 acquisition agreement and helped expand the firm’s presence into South Florida.

Today, his work can include investment management and broader planning around retirement, liquidity, business interests, family goals, real estate exposure and complex wealth decisions.

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Local relationships across a connected South Florida market.

Manna serves clients in Miami Beach and surrounding South Florida communities where professional, business, retirement and family wealth often overlap.

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Miami Beach

Planning around real estate concentration, retirement assets, cash flow and long-term investment decisions.

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Miami

Business ownership, executive compensation and liquidity decisions within an integrated financial plan.

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Coral Gables

Coordination across investments, property, business interests and multigenerational priorities.

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Aventura

Consider how real estate exposure interacts with investments, liquidity and long-term objectives.

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Fort Lauderade

Retirement income, investment assets, property decisions and changing lifestyle goals can be viewed together.

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South Florida

Families may live, work, own property and operate businesses across several communities; the financial plan can keep those pieces connected.

Miami Financial Advisor FAQs

These answers are educational and general.
Individual recommendations depend on the client’s circumstances and applicable advisory relationship.

What does Manna Wealth Management help Miami Beach clients manage?

Manna Wealth Management provides financial planning, investment management, retirement planning, financial modeling, 401(k) guidance, insurance review, estate-planning review and ongoing strategic advice. For Miami Beach households, those services can be coordinated with real estate, business interests, liquidity needs and family goals.

How should a Miami Beach business owner think about wealth concentrated in a company?

Business ownership can create significant wealth without creating the same level of liquidity as a diversified investment portfolio. Planning can distinguish business value from liquid assets and address reserves, retirement funding, diversification and potential future liquidity events.

How should an executive in Miami Beach think about company stock or equity compensation?

The starting point is total economic exposure. Salary, career income, equity compensation and investment holdings can all depend on the same company. A planning process can evaluate concentration, liquidity, diversification and timing.

What is the difference between net worth and financial flexibility?

Net worth measures assets minus liabilities. Financial flexibility also depends on liquidity, recurring cash flow, reserves and the ability to fund spending or opportunities without being forced to sell an illiquid asset.

What should a Miami Beach family review before a major liquidity event?

Useful planning topics can include near-term cash needs, investment concentration, tax considerations, portfolio structure, estate planning, charitable objectives and the transition from an illiquid or concentrated asset to liquid capital.

When does a Miami Beach household need more than investment management?

When the important financial decisions extend beyond the portfolio. Real estate, business ownership, retirement, insurance, estate planning, cash flow and family objectives can require a broader planning framework.

What should I bring to a first meeting with a Miami Beach financial advisor?

Useful information can include investment and retirement statements, approximate income and spending, real-estate holdings, business interests, major debts, insurance information and a list of important financial decisions expected over the next several years.

Where is Manna Wealth Management located in Miami Beach?

Manna Wealth Management’s Miami Beach presence is at 429 Lenox Ave., Ste. 527, Miami Beach, FL 33139. Appointments are arranged in advance.

Why can Miami Beach real estate create a financial-planning challenge?

A high-value property can represent a large share of net worth while providing limited liquidity. A financial plan can consider property exposure alongside investable assets, cash reserves, debt, insurance, carrying costs and future spending needs.

Can Manna help coordinate retirement assets with a Miami Beach lifestyle?

Yes, within the scope of the advisory relationship. Retirement planning can connect investment accounts, employer plans, Social Security, spending needs, liquidity, real estate and other household resources.

Does Florida's lack of an individual state income tax eliminate the need for tax planning?

No. Federal income taxes, investment taxes, property taxes and other tax considerations can still affect financial decisions. Individual tax advice should come from a qualified tax professional.

How can Manna work with my CPA and estate attorney?

Manna can organize investment and financial-planning information and identify decisions that may need tax or legal coordination. Specialized tax and legal advice should remain with qualified professionals.

Should my retirement plan depend on continued Miami Beach property appreciation?

A prudent plan should not treat future property appreciation as guaranteed. Real estate can be included in the household balance sheet while projections also test scenarios in which values, liquidity or timing differ from expectations.

Does Manna Wealth Management work with high-net-worth Miami Beach families?

Manna’s published wealth-planning services address complex households, including high-net-worth and ultra-high-net-worth families, business owners, concentrated-equity principals, retirees and families with multiple financial priorities.

How often should a financial plan be reviewed?

Review frequency depends on the client’s circumstances. Ongoing planning is designed to revisit the strategy as income, markets, property ownership, family circumstances, retirement timing and goals change.

Bring the whole financial picture to the conversation.

Whether the issue is retirement, investments, business wealth, concentrated assets, real estate exposure or a major life transition, the starting point is understanding how the pieces fit together.

MANNA WEALTH MANAGEMENT
429 Lenox Ave Suite
527 Miami Beach FL 33139, United States

Phone: +1 703-533-0030
Email : Info@MannaWealthManagement.com

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Integrated wealth management forMiami Beach’s complex financial lives.