{"id":3977,"date":"2023-01-06T18:14:09","date_gmt":"2023-01-06T22:14:09","guid":{"rendered":"https:\/\/www.incsight.net\/?p=3977"},"modified":"2026-07-08T19:35:51","modified_gmt":"2026-07-09T00:35:51","slug":"how-does-the-secure-act-2-0-affect-401ks","status":"publish","type":"post","link":"https:\/\/www.incsight.net\/blog\/2023\/01\/06\/how-does-the-secure-act-2-0-affect-401ks\/","title":{"rendered":"How Does The SECURE Act 2.0 Affect 401ks?"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section preset--module--divi-section--default\">\n<div class=\"et_pb_row_0 et_pb_row et_block_row\">\n<div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default\"><div class=\"et_pb_text_inner\"><p>Our good friends over at<span>\u00a0<\/span><a href=\"https:\/\/lifeincrs.com\/tax-savings-podcast\/\" target=\"_blank\" rel=\"noopener noreferrer\">Life, Inc. Retirement Services<span>\u00a0<\/span><\/a>put together some great content around The Secure\u00a0 2.0\u00a0Act and how it affects 401(k)s. If you are looking for what retirement options are available for your business, I recommend checking this out first:<\/p>\n<p><a href=\"https:\/\/www.taxsavingspodcast.com\/blog\/what-retirement-plan-options-are-available-for-my-business\" target=\"_blank\" rel=\"noopener noreferrer\">What Retirement Plan Options Are Available For My Business?<\/a><\/p>\n<p>The SECURE Act was originally passed in December 2019, and was thought of as one of the biggest changes to the industry in decades.<\/p>\n<p>In December of 2022,<span>\u00a0<\/span><strong>The SECURE 2.0 Act was put into law<\/strong>. It builds on the original legislation by adding dozens of changes and benefits to incentivize business owners and participants to save for retirement.<\/p>\n<p>Some of the highlights are:<\/p>\n<ul>\n<li>Significant tax credits to business owners.<\/li>\n<li>Increased catch-up contributions and extended Required Minimum Distributions.<\/li>\n<li>Permits matching contributions on qualified student loan payments.<\/li>\n<li>Expanded hardship withdrawal access.<\/li>\n<li>Easier access for part-time employees to plans.<\/li>\n<\/ul>\n<p>To see how The SECURE 2.0 ACT will affect your retirement plan,<span>\u00a0<\/span><a href=\"https:\/\/lifeincrs.com\/tax-savings-podcast\/\" target=\"_blank\" rel=\"noopener noreferrer\">connect with one of\u00a0Life Inc's 401k Experts<\/a>\u00a0to answer all your questions.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default\"><div class=\"et_pb_text_inner\"><h1>Summary of Changes - Applicable Year 2023<\/h1>\n<ul>\n<li>Increased tax credits to 100% of plan costs totalling $15,000 for first 3 years.<\/li>\n<li>Small businesses with 100 or fewer employees will receive a new tax credit based on a percentage of employer contributions, up to $1,000 per employee.<\/li>\n<li>Increases required minimum distribution age to 73 in 2023 and 75 in 2033.<\/li>\n<li>Allows plans to provide participants with option of receiving employer matching\/nonelective contributions on a Roth basis.<\/li>\n<li>Allows small incentives to encourage employees to contribute to plan (i.e gift cards).<\/li>\n<\/ul>\n<h1>Summary of Changes - Applicable Year 2024<\/h1>\n<ul>\n<li>Permits matching contributions on qualified student loan payments.<\/li>\n<li>Permits emergency savings account linked to plan (maximum of $2,500).<\/li>\n<li>SIMPLE IRA plan sponsors can convert to a Safe Harbor 401(k) plan mid-year.<\/li>\n<li>Implements a \u201cStarter 401(k) Plan\u201d option for employers without a plan. Similar contribution limits to an IRA, and doesn't require employer contributions.<\/li>\n<li>Increases involuntary cash-out limit for mandatory distributions to $7,000.<\/li>\n<li>Expanded hardship withdrawal access to include domestic abuse and annual $1,000 for \u201cunforeseeable or immediate financial needs\".<\/li>\n<\/ul>\n<h1>Summary of Changes - Applicable Year 2025<\/h1>\n<ul>\n<li>New 401(k) plans must include auto-enrollment (10 or more employees). Participants can opt out or elect different deferral percentage.<\/li>\n<li>Reduces the 3-year eligibility limit for long-term part-time workers to 2 years (2 consecutive years of service with at least 500 hours of service).<\/li>\n<li>Increases catch-up limit for participants ages 60-63 to the greater of $10,000 or 150% of regular catch-up amount (must be made on a Roth basis).<\/li>\n<\/ul>\n<h1>Summary of Changes - Applicable Year 2027<\/h1>\n<ul>\n<li>Saver\u2019s Credit replaced by the Saver\u2019s Match which will be deposited directly into participants\u2019 accounts by the Treasury Department. It's similar to the credit with income phase-out limits and starts at 50% up to $2,000.<\/li>\n<\/ul>\n<p>Again, t<span>o see how The SECURE 2.0 ACT will affect your retirement plan,\u00a0<\/span><a href=\"https:\/\/lifeincrs.com\/tax-savings-podcast\/\" target=\"_blank\" rel=\"noopener noreferrer\">connect with one of\u00a0Life Inc's 401k Experts<\/a><span>\u00a0to answer all your questions.<\/span><\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><iframe src=\"https:\/\/www.buzzsprout.com\/1837660\/episodes\/12577541-how-does-the-secure-2-0-act-affect-401ks?client_source=small_player&amp;iframe=true&amp;referrer=https:\/\/www.buzzsprout.com\/1837660\/12577541-how-does-the-secure-2-0-act-affect-401ks.js?container_id=buzzsprout-player-12577541&amp;player=small\" loading=\"lazy\" width=\"100%\" height=\"200\" frameborder=\"0\" scrolling=\"no\" title=\"Small Business Tax Savings Podcast, How Does The SECURE 2.0 Act Affect 401Ks?\"><\/iframe><\/div><\/div>\n\n<div class=\"et_pb_code_1 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/BF1qR4arNbI?si=c5y9qgpd0ez7KzU0\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><\/div>\n\n<div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default\"><div class=\"et_pb_text_inner\"><ul>\n<li style=\"list-style-type: none;\">\n<p><strong>The Time Is NOW To Start Paying Less In Taxes.\u00a0<\/strong><strong>Join<span>\u00a0<\/span><span>TaxElm<\/span><span>\u00a0<\/span>and start eliminating taxes and growing your wealth!<\/strong><\/p>\n<p>What you'll get:<\/p>\n<ul>\n<li><strong>Tax Savings Blueprint and Training:<\/strong><span>\u00a0<\/span>This is your roadmap to hit the ground and start implementing. Know exactly which strategies are relevant to you and which ones you should focus on first! Then dive into the training library with content, videos, downloads, guides, templates, etc. and start implementing right away!<\/li>\n<li><strong>Unlimited Access to Tax Experts:<\/strong><span>\u00a0<\/span>Got a specific question about a tax rule? You\u2019ll have unlimited messaging access directly with-in the software to our team of tax experts to get the accounting and tax answers you need.<\/li>\n<li><strong>Annual Comprehensive Consultation:<\/strong><span>\u00a0<\/span>Once a year you get a live meeting with a tax expert to discuss anything tax savings you would like. This is your time to get your questions answered live 1-on-1.<\/li>\n<li><strong>Annual Tax Return Review:<\/strong><span>\u00a0<\/span>Each year, upload your prior year tax returns, and our expert team will meticulously analyze them to generate a custom report highlighting key findings and actionable savings strategies tailored to your specific tax situation.<\/li>\n<li><strong>Monthly Webinars and Training:<\/strong><span>\u00a0<\/span>Every month, we host a live, virtual training session on a key tax topic. Join us live and bring your questions or view the training on your own schedule (recordings are added to the tax training library).<\/li>\n<li><strong>Partner Directory and Discounts:<\/strong><span>\u00a0<\/span>You get exclusive, members-only rates and access to our expert referral network for accounting, bookkeeping, tax preparation, payroll, financial planning, legal, retirement planning, tax resolution, and more!<\/li>\n<li><strong>TaxElm Guarantee:<\/strong><span>\u00a0<\/span>We will present tax saving strategies that will, at a minimum, cover the cost of your subscription fee or your money back!<\/li>\n<\/ul>\n<p>It is like having a tax\u00a0strategist walking with you along this entrepreneurial journey!<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_1 et_pb_row et_block_row\">\n<div class=\"et_pb_column_1 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_module et_pb_button_module_wrapper et_pb_button_0_wrapper preset--group--divi-button--divi-font--h1vi52x--default_wrapper\"><a class=\"et_pb_button_0 et_pb_button et_pb_bg_layout_light et_animated et_pb_module et_block_module preset--group--divi-button--divi-font--h1vi52x--default\" href=\"https:\/\/taxelm.com\/?via=incsight\">Join TaxElm<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":3978,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","footnotes":""},"categories":[73,72],"tags":[42],"class_list":["post-3977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-401k","category-retirement","tag-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Does The SECURE Act 2.0 Affect 401ks? 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