About the author

David Ramirez - CEO at ForUsAll
David Ramirez, CFA
Co-Founder, CEO of ForUsAll

David Ramirez, CFA, is a recognized 401(k) expert with over 20 years of experience in 401(k), ERISA, cash balance plans, and ESOPs. A UC Berkeley graduate, he played a pivotal role at Financial Engines, a 401(k) advisory firm founded by Nobel Laureate William Sharpe, Ph.D., where he was a portfolio manager who helped manage over $50B in 401(k) assets.  His clients included some of the largest Fortune 500 companies and state governments.

A thought leader in his field, David has been regularly featured in prestigious publications like the NY Times, Wall Street Journal, Forbes, Bloomberg Law, Pension and Investments, and broadcast on CNBC, helping shape the financial and policy discourse. David was co-awarded a patent for creating retirement drawdown portfolios, an innovative approach that forms synthetic pensions with traditional 401(k) assets.

Recognizing the potential of emerging financial technologies, David regularly speaks at blockchain and 401(k) events, bridging the gap between traditional finance and the fast-paced world of digital assets. His extensive experience and dynamic approach make him an authoritative and trusted voice in the financial landscape.

Go beyond a basic 401(k)

Give your employees more than just a 401(k), join the movement.

Happy employees with a 401(k) they deserve offering more choice more growth.
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This material has been prepared for informational and educational purposes only and should not be construed as a recommendation by ForUsAll, Inc., its affiliates or employees (collectively, “ForUsAll”)  to activate a cryptocurrency window or invest in crypto.  Investing in crypto can be risky and investors must be able to afford to lose their entire investment.  You should consult with your own advisers before activating a cryptocurrency window or investing in crypto.  ForUsAll does not provide legal, tax, or accounting advice. Please refer to your Plan's fee disclosure for more details.© 2023 ForUsAll, Inc. All rights reserved.
1 Schwab 2022 401(k) Participant Study - Gen Z/Millenial Focus, October 2022.
2 As of 12/31/2022. Employees include both current employees and terminated participants with a balance.
3 "Morgan Stanley At Work: The Value of a Financial Advisor" Morgan Stanley, March 2022.
4 Sarah Britton was a client when she provided this testimonial through an independent third party review website. She received no compensation for her remarks. There are no known conflicts of interest in the provision of her comments related to the services provided.