Qualified Plan Design

More Than Investment Management

At Manning & Napier, we offer retirement plan design and governance services to improve the overall retirement-readiness of both business owners and employees. A comprehensive design and the right set of investments can help business owners lower taxes, protect assets from creditors, and save more for retirement.

What is a Qualified Plan?

A qualified plan is an employer-sponsored retirement plan that satisfies ERISA requirements. There are two types of qualified plans; defined benefit and defined contribution. Manning & Napier provides investment solutions as well as value-added services to help you establish a plan design that focuses on the following objectives:

  • Increased Savings for Owners
  • Competitive Benefits for Employees
  • Fiduciary & Governance Risk
  • Asset-Liability Management
  • Objective Setting & Forecasting

Learn more about our services

Our team is here to answer any questions you may have. Contact us if you would like to learn more about the qualified plan design and governance services that we offer our institutional clients.


Value-Added Services

A qualified retirement plan can provide meaningful benefits to employees while helping employers achieve both personal and company-specific financial goals. A qualified plan allows for even higher maximum contributions and increased design flexibility when paired with a defined contribution plan. Manning & Napier offers the following services in order to align your goals with the right tools to achieve them.

An Experienced Team

Our team will provide plan design consultation for defined benefit and defined contribution plans, including Cash Balance and 401(k) Combination Plan arrangements.

Plan Design

Our services are designed to complement the services of your Actuarial and Third Party Administration firm. We provide ideas to help create a retirement plan that addresses all of your goals and objectives.

Governance Analysis

Our governance analysis report summarizes a plan’s current governance structure and specifically details the obligations of the various fiduciaries.

Cash Balance Solutions

Cash balance plans can be an attractive tax shelter. Contact us to learn more about how cash balance plans can benefit you.

Ongoing Monitoring

Our services include meeting to review a comprehensive report that evaluates your plan's progress toward specific goals and objectives.


Thought Leadership

We offer a level of support far beyond investment management that can truly add value to your efforts.


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  • May 20, 2014

    Types of Qualified Plans

    Before adopting a qualified plan, an employer should first understand the various types of plans available, so that a plan that best meets the employer’s goals and objectives can be chosen. Qualified plans come in two basic flavors: Defined Contribution (DC) Plans and Defined Benefit (DB) Plans. …
  • June 23, 2016

    Investing Cash Balance Plan Assets

    Many Cash Balance plan sponsors, especially small to mid-sized professional firms, appreciate relatively predictable and level annual plan contributions. These firms tend to use the plan as a tax management tool, because the plan contributions are tax deductible and will offset taxes owed by the …
  • August 17, 2018

    Small Business Retirement Plans and Recent Tax Reform

    With the passing of the Tax Cuts and Jobs Act (TCJA) in December of 2017, business owners may be asking how it might impact a currently sponsored qualified retirement plan, or they may be considering adopting one for the first time. In fact, one of the new tax deductions under TCJA may result in …

The Qualified Retirement Plan Team

Our team is here to create and manage a comprehensive plan that will help you meet your retirement goals while also providing meaningful benefits to your employees.

  • Valerie Loyet, ASA, EA, FCA, MAAA

    Senior Actuarial Consultant, Pension Investment Solutions

  • Dana Vosburgh, CFP®

    Managing Director, Advisory Services

  • James Esposito, QPA

    Qualified Plans Consultant

Manning & Napier Advisors, LLC (Manning & Napier) provides investment advisory services to Exeter Trust Company (ETC), Trustee of the Manning & Napier Collective Investment Trusts. The Collectives are available only for use within certain qualified employee benefit plans.


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