SECURE 2.0 Act resources
We’re here to help you stay up to date on current provisions taking effect for SECURE 2.0. Refer to these resources as you prepare for current and future provisions.
Required provision timeline snapshot
2025
- Reduced eligibility period for LTPT employees; expansion to 403(b) plans (SECURE 2.0)
- Mandatory automatic enrollment for new plans
- Retirement savings lost and found
2026
- Roth catch-up contributions
- Annual paper statements
- Plan amendment deadline*
2027
- Saver’s match** (required and optional)
2033
- RMD age increase to 75
* Notice 2024-2 extended the deadline to adopt amendments that relate to the CARES Act, the SECURE Act, and SECURE 2.0 to December 31, 2026, (regardless of plan year).
** Saver’s credit will become Saver’s match in 2027.
** Saver’s credit will become Saver’s match in 2027.
RMD age increase to 75 I Required
Effective as of January 1, 2033, the age at which participants must start taking RMDs will rise from 73 to 75. While a minor change, those nearing retirement may want to consider whether strategic Roth conversions or delaying Social Security benefits can create the desired annual income or preferred income tax situation.