Business Details
50+ Years
experience
Your Trusted Partner for Retirement Plan Solutions
The MandMarblestone Group (MMG) is a pioneering firm specializing in retirement plan design, administration, and consulting. Established in 1975, we combine deep legal and actuarial expertise with the most flexible IRS-approved plan documents to deliver tailored solutions for businesses of all sizes. Our team of attorneys, actuaries, and consultants has over five decades of collective experience navigating complex tax regulations to create retirement plans that align with clients' financial and strategic goals.We prioritize proactive consultation, ensuring annual reviews and adjustments to maintain compliance and optimize contribution strategies. Our commitment to excellence is reflected in our industry-leading service model, which emphasizes single-point client contact, rigorous compliance testing, and seamless integration with financial advisors and accountants. MMG's reputation as a trusted partner is built on transparency, technical mastery, and a relentless focus on client success in retirement plan management.
Services
Retirement Plan Design
Defined Benefit Plans
Cash Balance Plans
401(k) Administration
ERISA Compliance
Actuarial Services
Legal Consulting
Pension Plan Administration
Tax-Advantaged Strategies
Combo Plan Solutions
Details
- Year established: 1975
Highlights and features
- We offer 50+ years of combined experience in retirement plan design and compliance
- Our team includes licensed attorneys and actuaries with specialized expertise
- We provide IRS-approved, fully customizable retirement plan documents
- Our proactive annual service cycle ensures ongoing compliance and optimization
- We maintain single-point client contact for streamlined communication and accountability
Services
Retirement Plan Design
We create customized retirement plans that align with business objectives and tax strategies. Our experts analyze financial goals to develop structures ranging from basic 401(k) plans to complex cash balance solutions. With IRS-approved documents and annual reviews, we ensure ongoing compliance while maximizing contribution opportunities for business owners and employees.
Defined Benefit Plans
Our defined benefit plans provide substantial tax-deductible contributions tailored to business needs. Using actuarial calculations, we design pension structures that meet specific retirement goals while maintaining regulatory compliance. Services include annual funding determinations, IRS certification, and non-discrimination testing to ensure plan viability and legal adherence.
Cash Balance Plans
We specialize in cash balance plans that combine features of defined benefit and defined contribution models. Our actuaries create flexible designs allowing significant tax-deferred contributions while providing predictable benefits. Services include annual interest credit calculations, participant statements, and compliance monitoring to maintain plan integrity and regulatory alignment.
ERISA Compliance
Our compliance services ensure retirement plans meet all federal requirements. We conduct annual non-discrimination testing, prepare Form 5500 filings, and provide audit support. With dedicated legal experts, we address IRS and Department of Labor inquiries, maintaining documentation and procedures that protect plan sponsors from regulatory risks.
Actuarial Services
Our enrolled actuaries perform precise calculations for contribution requirements and plan valuations. Specializing in complex cash balance and combo plans, we ensure mathematical accuracy in funding determinations. Services include annual certification, design studies, and compliance testing to maintain actuarial soundness and regulatory alignment for all plan types.
People
Robert Mand
Founder
With over 50 years of experience, Robert Mand established MMG as a leader in customized retirement plans. A Wharton and NYU tax law graduate, he specializes in navigating complex tax rules for business owners. Recognized with Martindale-Hubbell's highest AV rating, he combines legal expertise with photography philanthropy.
Kenneth Marblestone
Senior Counsel
Kenneth Marblestone brings extensive retirement plan expertise, representing clients before the IRS and Department of Labor. A Harvard Law graduate with Martindale-Hubbell AV rating, he contributes to professional publications and speaks nationally on pension compliance. He serves on the ASPPA Benefits Council of Greater Philadelphia.
Ian Haring
Managing Partner
Ian Haring oversees MMG operations with 25+ years of experience in ERISA compliance. A Temple University law graduate, he specializes in medical group mergers and small business retirement solutions. As a nationally recognized authority, he integrates fiduciary oversight with tax shelter strategies while leading annual industry panel discussions.
Virginia Wentz
Director of Actuarial Services
Virginia Wentz, a Fellow of the Society of Enrolled Actuaries, leads MMG's actuarial team with 30+ years of experience. She develops complex cash balance plans and provides actuarial certifications. A Seattle University mathematics graduate, she specializes in compliance testing and design studies for high-contribution retirement solutions.
Thomas Hoens
Chief Operating Officer
Thomas Hoens, a CPA with CGMA designation, manages MMG's financial operations and technology integration. With Lehigh University accounting credentials, he has tripled annual sales volume through operational improvements. He leads mergers and expansions while maintaining industry-leading customer service standards across multiple office locations.
Questions
What retirement plan types does MMG specialize in?
MMG offers 401(k) plans, defined benefit plans, cash balance plans, and combination designs. We customize solutions from simple salary deferral arrangements to complex structures maximizing tax-deductible contributions for business owners.
How does MMG differ from bundled retirement plan providers?
Unlike bundled providers with multiple contacts, MMG assigns a dedicated primary contact while maintaining specialized support. We focus exclusively on plan design and compliance, partnering with your financial advisors rather than competing with them.
Can MMG handle IRS or Department of Labor audits?
Yes, our team includes ERISA attorneys and actuaries qualified to manage regulatory examinations. We provide legal representation and compliance remediation services, maintaining necessary expertise in-house rather than outsourcing audit support.
What contribution limits apply to MMG's retirement plans?
Limits vary by plan type: 401(k) plans allow $19,500 deferrals ($27,000 for those 50+), while cash balance plans can reach $300,000+ annual contributions based on age and compensation factors determined through actuarial calculations.
How does MMG ensure ongoing plan compliance?
We conduct annual non-discrimination testing, prepare Form 5500 filings, and monitor regulatory deadlines. Our proactive service model includes yearly consultations to adjust contribution strategies and maintain compliance with evolving IRS requirements.
