I'm looking for a senior Ruby on Rails engineer to join me at ForUsAll.

ForUsAll was established to help more Americans reach financial safety in retirement. If you're employed by a Fortune 500 company or a well-funded startup, you probably have lots of retirement options; ForUsAll is for everybody else.

The small businesses who employ most Americans have some major barriers to providing retirement plans to their employees. For one thing, they're expensive; for another, they require a lot of time-consuming manual administration. Finally, if that administration is done poorly, there's a risk that the business will be audited and fined. Even if the plan is in good order, many 401(k) plans look like they were built in 1998 in Microsoft FrontPage: they're daunting to use and don't provide much help, meaning some users never set up their savings.

ForUsAll fixes this problem in several ways. We automate the manual work and validate the plan information every payroll, taking away the cognitive load and the risk of being fined. (We literally take on that legal risk.) Because we automate the plans, we can bring the cost down. Collectively, we take away the major reasons small employers don't provide retirement savings.

On the employee side, we provide simple, easy-to-use, modern interfaces. We also reduce the cognitive load by sending simple nudges. For example, if we think you can afford to save a little more, we'll send a nudge that says, "we think you can increase your savings rate by 1%. If you click this button, you can take it for a test drive." Users find these nudges easier, and the result is that when retirement plans use ForUsAll, more people save.

So: we help more companies provide retirement savings, and then help more employees to save with them.

Finally, we're providing more options to divest from fossil fuels in your retirement savings. We're also providing access to different kinds of investment assets, tools, and advice that are ordinarily the preserve of the wealthy. The first of these is the ability to invest a small portion of your savings into individual cryptocurrencies.

The stack is built in Ruby on Rails with an increasing amount of Node, with React on the front-end. It's a remote-first team. If this sounds like a mission you're up for, click here to apply. The first step is a phone call with me, and I'm excited to meet you.