Updated 2026-03-30

SECURE Act 2.0: What Changed for Your 401(k)

New RMD ages, auto-enrollment rules, Roth catch-up requirements, and emergency access

SECURE Act 2.0 made over 90 changes to retirement rules. Key changes: RMD age raised to 73-75, new plans must auto-enroll employees, catch-up contributions must be Roth for high earners ($145K+), and penalty-free emergency withdrawals up to $1,000/year.

Major Changes

Pavlo Pyskunov

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-03-30

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