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.