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Mandatory and Optional Provisions

Promote financial security

Income for life is a real concern for many. This new legislation aims to improve retirement outcomes by increasing access to retirement plans, growing and preserving savings, and helping Americans manage competing financial priorities to help achieve their long-term financial goals.


How is SECURE 2.0 relevant to you?

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Participants experiencing an emergency are no longer penalized for accessing retirement funds

SECURE 2.0 introduces six new ways that participants in crisis may access retirement funds without incurring an early withdrawal penalty.

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Catch-up faster with higher contribution limits for ages 60-63

Beginning on Jan. 1, 2025, eligible participants will be able to make catch-up contributions equal to the greater of $10,000 (indexed for inflation) or 150% of the regular catch-up contribution limit.

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Accessing retirement funds no longer penalized for emergency situations

Often considered a last resort, some individuals turn to their retirement savings—when all other sources of liquidity dry up. With the implementation of SECURE 2.0, participants who are younger than 59 ½ are no longer faced with incurring a 10% early withdrawal penalty for taking a small distribution to fund emergency situations. 

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Catch-up contributions for some participants can only be made on a Roth basis in 2026

Participants in 401(k), 403(b) and governmental 457(b) plans whose wages exceeded $145,000 in 2023 and elect to make catch-up contributions will be required to do so on a Roth basis.

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Changes to required minimum distributions (RMDs)

If you need a little more time to grow your nest egg, this could be good news. SECURE 2.0 increased the RMD age.

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Timing of deferral elections for 457(b) governmental plans

Participants of governmental 457(b) plans can now elect to defer a portion of their compensation any time prior to the date compensation becomes available.

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Penalty-free distributions for participants affected by natural disasters and terminal illness

Defined contribution plan participants can now access up to $100,000 of their retirement funds—penalty free—for natural disasters and terminal illness.

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SECURE 2.0 eases administrative burden of providing multiple notices to unenrolled participants

Plan sponsors are no longer required to provide multiple notices to unenrolled and nonparticipating employees.

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