Re-architecting retirement software around the individual

Maximize retirement outcomes.

We are working to bring simplicity and transparency to financial services, so more consumers can access the world's financial resources.

Transformational ideas are born from foundational experiences. Explore the seeds of Manifest's growth through the eyes of one of our first users - Katie - below.

Our mission is to maximize retirement outcomes for millions of people by powering the infrastructure that drives accessibility. Join us as we modernize the retirement industry by putting participants first.

Anuraag, CEO
Meenakshi, CTO

Our values

Manifest is trustworthy


We prioritize integrity, providing members with trustworthy advice as we would our own family, and never benefit from undisclosed kickbacks or fees.

Manifest is trustworthy

Long-term Thinking

Our approach empowers members to make informed financial decisions, fostering independence through long-term solutions.

Manifest is trustworthy


We believe in accessible financial guidance and strive to empower all to achieve their financial goals.

Manifest is trustworthy


We simplify finance and benefits jargon, ensuring what's important can be understood by everyone.

A story of consolidation
exploring the future of work

Read more stories

Meet Katie! Katie has switched jobs a few times in the past five years, accumulating multiple old retirement accounts with previous employers.

Katie is starting her new job and just set up her 401(k) with her new employer. Katie isn't sure what is happening with her old retirement accounts, or certain what to do with them. To answer these questions for Katie and explain why we created Manifest, we have to get into the story of consolidation.

Katie has three options.
1. Cash out her accounts - many of her friends have done this, but doing so can cut a nest egg in half due to penalties and taxes.
2. She could do nothing - this leaves her worrying about juggling multiple investments and rising fees eroding her old balances.

So, she decides the third option is the best decision:
3. Consolidating into a single account.

Starting the process comes with a host of questions: What are the tax implications of a transfer? Can a 403(b) transfer into a 401(k)? What's a Roth account? Should I manage my own money or hire an advisor?

Katie tries to find the answers herself, but it's difficult to know if she's on the right track.

When Katie finally initiates her transfer, she feels like her life has been taken over by phone calls, mailing forms, and faxing information between her providers.

Despite Katie's effort, it's been months, and her accounts haven't been consolidated. There seems to be no end in sight.

Over 16 million people with employer accounts switch jobs every year, just like Katie. But 89% of transfers are never completed.

That's where Manifest comes in. We're transforming the opaque transfer process into a delightful experience. With our help, Katie can locate her savings, get the guidance to make decisions, and know where her money is every step of the way.

Switching jobs provides an opportunity for employers to reinforce their connection with participants. With Manifest, Katie's employer can empower her with access to one-click consolidation.

With confidence, she can now start her new job with her new consolidated retirement account.

Katie is not alone - millions of Americans face these issues with consolidation every day. Join our team to influence the process, or you can always follow our journey by keeping up with us on social media.

Let's collaborate

We are a team of technologists who believe technology should feel effortless, expand accessibility, and create time for human connection. Manifest is changing the retirement story for millions. Join us as we maximize retirement outcomes for all.

You're in good hands

We are fortunate to work with some of the best investors in the world. Chances are you are already using the products they helped create.