We’re experienced 401(k) advisors who’ve worked with 401(k) plans for some of the largest companies in America. But it takes more than that, so we’ve developed our own proprietary technology that allows us to automate and improve plans in ways no other advisor can.
We go beyond finding and removing hidden fees and revenue sharing. We routinely conduct an RFP process with leading providers, and use the results to negotiate lower overall fees with your existing provider.
We take the work, hassle, and risk off your plate with automated plan administration, full 3(38) Investment and 3(16) Administrative fiduciary support, payroll integration with auto-reconciling technology, employee eligibility tracking and required notices, and more.
Human financial advisors for every employee, not just 401(k) participants, provide advice beyond just the 401(k) – think debt management, planning for large purchases, etc. This level of support can result in retirement outcomes that are double the national average.
Manual processes are error-prone. We automate these manual processes: Plan administration, payroll integration, plan and investment compliance. For employees we automate enrollment, onboarding, eligibility tracking, employee experience – and more.
Get to know your advisor – before you hire one. Experience our expertise and test-drive our technology.
David Ramirez, CFA, is a recognized 401(k) expert with over 20 years of experience in 401(k), ERISA, cash balance plans, and ESOPs. Prior to ForUsAll, he played a pivotal role at Financial Engines, a 401(k) advisory firm founded by Nobel Laureate William Sharpe, Ph.D. As a senior portfolio manager he helped manage over $50B in 401(k) assets.
Cindy Bloch has over 30 years of experience in Investment Advisor Compliance, 401(k) and ERISA plan administration. Prior to ForUsAll, Cindy was CFO at David W. Tice & Associates, an advisory firm that enabled small investors to utilize market hedging techniques generally only available to wealthy investors. Cindy holds an A.B. in Economics from Dartmouth College.
Jeff Schulte has over two decades of financial services experience, starting at Charles Schwab, where he helped build online tools for Schwab.com. He also led the product team at Financial Engines as the company experienced hyper growth from $4B in AUM to over $125B and subsequently going public. He is a licensed Investment Advisor Rep and has his MBA from Columbia University.
James Gramata is a distinguished technology executive with close to 20 years of experience. Before joining ForUsAll, James was a transformative Executive Director at E*TRADE (acquired by Morgan Stanley), where he led the firm's mobile engineering groups in creating industry leading experiences during a period of extraordinary customer growth. He also oversaw mobile engineering at GoFundMe where his work helped to raise over $2 Billion in donation volume.
Henri Bricard has over 8 years of experience in banking and UHNW investment management. Before joining ForUsAll, Henri was an Associate Vice President, Client Advisor at Bessemer Trust where he worked with a team to advise on over $450MM in assets under management. He currently sits on the Board for the Customer Experience Program at Georgia College Department of Continuing and Professional Education as an Advisor. He also holds a B.A. from Emory University and an M.B.A. from the Goizueta Business School of Emory University.