SECURE 2.0 Act.

Breaking it all down.

As laws continue to change in the world of retirement saving, we'll help you stay on top of them. We'll also support your employees through each change and savings opportunity. Explore the latest on the SECURE 2.0 Act of 2022.

SECURE 2.0 Act: The highlights

What is the SECURE 2.0 Act? What are the key provisions you need to know about, and when do they go into effect? Review our summary for a quick guide of the highlights.

Here's what you need to know

Side-by-side provision comparison

SECURE 2.0 contains many provisions, some of which will mean an update to current law, while others are completely new. This comparison chart will help you better understand SECURE 2.0 compared to prior law.

See what's changed

Communicating SECURE 2.0 changes to employees

We want to make sure employees understand the provisions that apply to them, so we're developing informative materials you can send out as well as creating learning experiences that employees can participate in.

Take a look at how we're supporting employees

Insights worth spotlighting.

Check here for important featured information.

Student Loan Match: IRS Issues Interim Guidance (August 2024)

The IRS issued important interim guidance on employer matching contributions made to retirement plans related to employee student loan payments.

IRS FAQs Explain SECURE 2.0 Optional Disaster Relief

The SECURE 2.0 Act provides for permanent distribution and loan relief for any federally declared major disasters occurring on or after January 26, 2021.

Regulatory guidance.

Check here for help navigating the changes coming out of Washington.

Retirement Lost and Found: DOL Proposes Voluntary Reporting

Agencies Release Limited Guidance on Pension-Linked Emergency Savings Accounts

SECURE 2.0 Grab-Bag IRS Notice Brings Holiday Treats

Proposed IRS Regulations Address Long-Term Part-Time Employee Coverage

Implementing the provisions.

Learn insights and timing for some of the key provisions of SECURE 2.0.

Required Minimum Distribution (RMD) Changes
Qualified Disaster Relief
Withdrawals for Terminal Illness and Domestic Abuse
Employee Self-Certification of Hardship
Employer Contributions as Roth
Student Loan Match
Emergency Personal Expense Distribution
Catch-up Limits Increased for Ages 60-63
Long-Term Part-Time Employee Eligibility Requirements Reduced
Automatic Enrollment and Deferral Increases Required for New Plans
Retirement Savings Lost and Found Database
Catch-up Contributions Roth for Higher-Paid Savers
Pension-Linked Emergency Savings Account
Optional Provision Client Interest

Resources for educating participants about SECURE 2.0.

Your employees will have questions. These resources should make answering them easier.

How SECURE 2.0 Act May Help Boost Your Retirement

What to Know About Catch-up Contributions

Inherited IRA Rules & SECURE 2.0 Act Changes

How Charitable Gift Annuities Work

SECURE 2.0: How Does It Affect Retirement Plans?

2024 RMD Reference Guide

Keep the learning going.

Tap into additional resources related to legislative and regulatory changes.

Watch past webcasts available on demand.

Get the latest from Washington.

Follow our calendar for critical deadlines associated with your plan.

Learn about our Washington advocacy efforts for clients.

Need more information or help understanding the new law?

Contact your Schwab service team or, if you're not currently working with Schwab, connect with us through one of these methods:

Get in touch Call 877-362-0410

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