--- title: "Secure Act 2.0 – 5 Changes to be Aware of When Planning For Retirement" source: https://www.perissosprivatewealth.com/insights/secure-act-2-0-5-changes-to-be-aware-of-when-planning-for-retirement publisher: Perissos Private Wealth Management published: 2025-11-17T12:21:49.090975+00:00 updated: 2026-05-06T19:29:38.256401+00:00 topics: secure act 2.0 retirement changes, rmd age increase 2024, bethany ok retirement planning, roth ira 529 rollover rules, catch-up contributions secure act 2.0 license: Educational content. Cite with attribution. Not personalized financial, tax, or legal advice. --- # Secure Act 2.0 – 5 Changes to be Aware of When Planning For Retirement Secure Act 2.0 — 5 Changes to Know When Planning for Retirement: contribution limits, RMD ages, and planning opportunities from Perissos Private Wealth. Retirement Resource Library ## Frequently asked questions ### 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. --- Source: [Perissos Private Wealth Management](https://www.perissosprivatewealth.com/insights/secure-act-2-0-5-changes-to-be-aware-of-when-planning-for-retirement) — fee-only fiduciary wealth management in Bethany, Oklahoma. 405.212.9690. This article is educational and is not personalized financial, tax, legal, or investment advice.