Secure Act 2.0: Retirement Planning Options

January 03, 2023

One of the wealth management topics is retirement planning. The SECURE Act 2.0 is creating many options to help with retirement planning. Some options will not take effect for a year or more.  Here are some highlights:


Required minimum distribution age (RMD)

As of 2023, the RMD age is 73, allowing you to defer distributions and grow your investments. 


SIMPLE Roth IRA and SEP Roth IRA


Qualified Plan Employer Contributions


Business Matching Tax Credit


Student Loan Match to 401k


Catch-up Provision 


Employer match for those making $145,000 or more


Part-time Employee Participation in 401k Plans


Emergency Withdrawal Provision for 401k Plans


401k Auto-enrollment


Linked Emergency Savings Account