26 Quotes by David Wray

When times are tough, your matching contributions are going to go down. It's a factor of profitability.

The plan will be designed to ensure that none of these (and other) limits are violated.

If they choose XYZ Boiler Room, the employer is on the hook,

We took a poll of our members. Seventeen percent of our members said they intended to implement the Roth 401(k) in 2006. Eighty-three percent were going to wait and see or were not going to do it at all.

Have a compelling argument that speaks to the bottom line.

There are studies that show participants in a 401(k) plans are less likely to leave the company and are better workers.

Linda Franklin will be missed. She was an extraordinary example of living with joy and gratitude no matter what came her way.

Just because someone passes a law in Washington, D.C., to provide an additional voluntary opportunity in a benefit program doesn't mean a company has to immediately implement it.

Most Americans do not enter the work financially prepared to analyze a broad array of choices and make the best possible asset allocation. Companies have tried hard to teach them. But the bottom line is that if more people are to participate, the investment process has to be simpler.