How does the SECURE Act 2.0 change the Required Minimum Distribution (RMD) age?

The SECURE Act 2.0 gradually increases the RMD age to 73 starting in 2023, and eventually to 75 by 2033. This allows retirees to keep funds in tax-deferred accounts for a longer period.

What are the new catch-up contribution limits for older workers?

Starting in 2025, individuals aged 60 to 63 can make increased catch-up contributions to employer-sponsored plans like 401(k)s. This provision is designed to help those nearing retirement accelerate their savings.

Can you roll over 529 plan funds into a Roth IRA under the new law?

The SECURE Act 2.0 allows for the tax-free rollover of up to $35,000 in unused 529 plan funds into a Roth IRA for the same beneficiary, subject to annual contribution limits and account age requirements.

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Secure Act 2.0 – 5 Changes to be Aware of When Planning For Retirement

November 17, 2025•1 min read

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