Major Changes to Retirement Laws

Congress recently passed the Setting Every Community Up for Retirement Enhancement (SECURE) 2.0 Act. Whether you’re working or already retired, you are likely affected by some big changes to retirement accounts.

Further delay of RMD beginning age

Increased catch-up contributions

Matching contributions eligible for Roth

Roth 401k accounts not subject to RMDs

New Roth account types

Decreased penalties for missed RMDs

QCDs are more flexible

529 rollovers to Roth IRAs

Automatic enrollment, escalation, and plan portability

Matching student loan payments

The hope is that these changes can help encourage more people to save for retirement by making retirement saving more accessible and properly incentivized. These are just some of the many changes that will be implemented over the next few years. Please consult your tax professional for more specific advice.

Sources and Disclosures


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