Hello, we’re Manifest.
We’re working towards a future where consolidating old retirement accounts is a breeze.
Understanding Participant Behavior
Meet Katie. She’s a mother, world traveler, marketing whiz, & investor.
Katie has a multi-faceted lifestyle with ever evolving priorities.
By rolling over her accounts, Katie can expect an extra 36% within 10 years.
Family
1 member
Extended family overseas
Career
Fortune 500 company
Bilingual
College graduate
Lifestyle
Ready to buy a home
Green thumb
Investment
College education
3 jobs in last 5 years
Throwing a birthday party for her kid
Calling her best friend
Preparing an important presentation
Other possible risks
Multiple Accounts
Potential Fees
Consolidating By Herself
Step
1
Information Gathering
Katie must learn about her provider’s rollover process by herself.
15 days
  • Call provider
  • Conduct personal research
  • Reach out to old HR contacts
  • Setup appointment with provider
  • Request form(s), often in mail
-$20
Calls during the workday can take two hours including holding @ $20 per hour.
Step
2
Identity Verification
Katie has to contact her old provider to verify her identity and ensure issues on her account are resolved.
15 days
  • Fill out form(s)
  • Mail form(s) back to provider
  • Phone identity verification
  • Ensure direct rollover eligibility
-$1,250
1 in 4 indirect transfers under $15,000 incur a $5,000 tax bill.
Step
3
Plan Verification
Katie must initiate the rollover herself, and deal with the complex issues that may arise.
15 days
  • Ensure asset classification (Roth vs pretax)
  • Troubleshoot any issues with form(s)
  • Organize conference call with two providers
  • Unexpected issues (e.g., loan on account)
-$40
Calls during the workday can take two hours including holding at $20 per hour.
Step
4
Account Transfer
When her check arrives, Katie has to buy mailing materials and go to the post office.
15 days
  • Buy mailing materials
  • Understand specific deposit process
  • Go to post office
  • Deal with deposit issues
-$7.50
Drive to the post office for envelopes and postage. At times you’ll even have to find a fax machine.
Manual Transfer is Complete
After two months of worth and climbing a steep learning curve, Katie has completed her transfer. Katie is out of money and time and is left wondering why she bothered.
60 days
Only 1 out of 10 people successfully completing their transfer.
-$2,080
These costs can seem intangle compared to the amount of savings lost leaving accounts behind.
VS
Consolidating with Manifest
Step
1
Information Gathering
Katie submits her information to our app. Manifest knows her provider’s specific rollover process from research and experience.
10 mins
Submit information day or night through Manifest’s responsive web application.
$0
Submit information day or night through Manifest’s responsive web application.
Step
2
Identity Verification
Katie submits her information to our app. Manifest knows her provider’s specific rollover process from research and experience.
10 mins
Submit information day or night through Manifest’s responsive web application.
$0
Submit information day or night through Manifest’s responsive web application.
Step
3
Plan Verification
Manifest assigns Katie a registered financial advisor, who takes charge and works with Katie’s provider to initiate the rollover.
9 mins
You are never alone. Manifest’s team of registered financial advisors are ready to support.
$0
If anything comes up, Manifest’s registered financial advisors are ready to support.
Step
4
Account Transfer
Manifest sends Katie a forwarding envelope for her check.
14 days
Manifest does all of the heavy lifting and tracks your transfer until it successfully completes.
$0
We find the fast way to transfer your account. If you do need an envelope, we’ll mail a prepaid one over to your address.
Assisted Transfer is Complete
Katie’s consolidation journey was easy and stress-free, thanks to Manifest. She’s very thankful for having an employer who cares for its employees' future like hers.
<15 days
Let Manifest do all of the heavy lifting.
$0
These costs can seem intangle compared to the amount of savings lost leaving accounts behind.
Enable Consolidation
Offering Manifest to your participants supercharges your plan while making it very easy to maximize retirement outcomes.
Impact
Over 15 years, consolidation can can grow accounts by an additional $8,800.
Traction
Our application has helped hundreds of participants and transferred millions in assets.
Equivalency
Manifest reduces cash outs by 50% and moves an average of 2.8 old accounts for users.
Satisfaction
Users thank their employers an average of 6 times for providing Manifest at no cost.