iSectors Blog: 401(k) / Retirement


So what about this stock market situation?

By Vern Sumnicht It’s obvious that the stock market looks pretty weak right now–this seems to be a pretty common occurrence every September-October period. It’s impossible to know where the next few months will...

iSectors Ready Go! 401k Webcast Replay

iSectors Ready Go! 401(k) Retirement Plan Solutions Webcast was held on October 13, 2014. iSectors’ Director of Business Development, Scott Jones, presented this very informative online meeting.   iSectors Ready Go! 401(k) Webcast Replay...

Reactions to my article…the nasty surprises behind 401(k) group annuities

By Vern Sumnicht I thought I’d share something I posted a few days ago in reaction to some of the comments that came in on my September 17, 2014 article for Employee Benefits Views (the...

Yes, we do need to make 401(k)s better…

by Vern Sumnicht It is refreshing to read about and really be able to “hear” John Bogle’s honesty in last week’s article by Jennie Phipps for Bankrate.com about the future of 401(k) fees. I’ve been an investment...

The Trouble with Mutual Funds

By Vern Sumnicht, MBA, CFP® Although mutual funds offer a package of professional management and diversification, they also have significant problems, including high fees, hidden costs, uncertainty of holdings and uncertainty of taxes. Volumes have...

More insight on rising mutual fund tax bills…

Many advisors aren’t aware that the pass thru capital gains distributions of actively managed mutual funds are not included as part of the funds expense ratios. In addition to this, the trading fees inside...

How much do 401(k) participants really need to invest?

By Chuck Self It is sad to see how little 401(k) participants have in their accounts compared to what they need.  This article, The Average 401k Balance By Age (PersonalCapital.com), discusses the shortfall and...

Why are ETFs becoming more popular in 401(k)s?

Vern Sumnicht recently responded to a 401(K) LinkedIn Group discussion. We thought we’d share his thoughts/reaction to this question directly here on the iSectors blog: Why are ETFs becoming more popular in 401(k)s? Regular...

Why advisors need to understand how a TAMP (Turnkey Asset Management Platform) works

Often, many professionals get so involved in their day-to-day responsibilities that they do not fully understand tools and resources that can benefit their business and their clients. A recent article in The Trust Advisor...

Americans want help with their 401(k)

According to a new study from Charles Schwab, most working Americans find explanations of their company’s retirement plan are more complicated than their health care benefits. Workers continue to be most confused by what...