SECURE 2.0

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The retirement plan landscape is ever evolving. We distill the details so you don’t have to!

We’ve corralled the best news from inside the beltway – not only regulations, but also new legislation from Congress as well as relevant guidance from the IRS and Department of Labor. In true DWC fashion, we don’t just repackage a recitation of the rules, we provide our thoughts and commentary about what those rules mean to you.

We know cash balance rules can be intimidating! Settle into the Cash Balance Corner and let us break it down for you.

Have 401(k) questions? We have 401(k) answers! We bring you answers to many of the common questions we receive.

A behind-the-scenes look not at how the sausage is made, but why we make it the way we do. (Hint: It’s all about the best interests of the client.)

We’re all about learning from other people’s (alleged) mistakes. We might not be attorneys, but we still follow benefits-related cases and summarize lessons and key take-aways. No hourly fee needed for these insights!

A deeper dive into retirement plan topics doesn’t have to be headache-inducing. Our Pension Primer articles provide depth of information without depth of jargon!

02/21/25

DWC | 02/21/2025

Decoding the Alphabet Soup: What’s With All the Acronyms | Part 6

As if we didn’t have enough acronyms already, the SECURE Act and SECURE 2.0 brought us a bunch of new ones…apart from the fact that SECURE is an acronym itself. Speaking of pieces of legislation, ...

DWC | 01/27/2025

In Case of Emergency, (Don't) Break Plan!

It seems that with each major new retirement plan law, Congress has an idea that is great in concept but unnecessarily convoluted in implementation. It’s usually when they try to combine existing but ...

DWC | 01/17/2025

Catching Up On Catch-Up Contributions, Part 3 – Return of the Plan Correction

Congratulations, you’ve made it to the third and final episode of our trilogy on the proposed catch-up contribution regulations that address changes made by SECURE 2.0 (S2). In part 1, we discuss the ...

DWC | 01/17/2025

Catching Up On Catch-Up Contributions, Part 2 – Rothification Strikes Back

A long time ago, in a Congress far far away, SECURE 2.0 (S2) was enacted...

DWC | 01/17/2025

Catching Up On Catch-Up Contributions, Part 1 – A New Limit

A long time ago, in a Congress far far away, SECURE 2.0 (S2) was enacted. Ok, that was only December 2022, but it seems like ages ago when we’ve had to navigate some of the new rules with minimal ...

Jen Swets | 12/11/2023

New Distribution Options to Encourage Savings

Adam C. Pozek | 11/27/2023

It’s About Time – Long Term, Part Time Employees – Part 2

Adam C. Pozek | 11/27/2023

It’s About Time – Long Term, Part Time Employees – Part 1

Sue Schnur | 11/13/2023

Grab Bag of RMD Changes

Carter Kimball | 10/17/2023

Cash Out Limit is Movin' On Up

Haden McDonald | 10/12/2023

Trust But Verify...But Not For Hardship Distributions

Adam C. Pozek | 07/13/2023

The New Eligible Inadvertent Failure: A “Catch-Most” for Self-Correcting Plan Errors

Adam C. Pozek | 02/6/2023

Automatic (Enrollment) for the People - Losing Your Discretion

Ever since creating the ACA, EACA, and QACA as part of the Pension Protection Act of 2006, Congress has acted like automatic enrollment is the greatest thing since sliced bread when it comes to ...

Adam C. Pozek | 02/2/2023

Catch-Up Contributions: If It Ain’t Broke, Break It!

Adam C. Pozek | 02/02/23 Yeah, we know that’s not how the saying goes, but it appears Congress doesn’t.

Adam C. Pozek | 01/31/2023

Roth, Roth and More Roth – as Far as the Eye Can See

Congress seems to be in a continual love fest with two retirement concepts – automatic enrollment and Roth contributions – and SECURE 2.0 (S2) continues the trend for both. I guess it’s not ...

Jen Swets | 01/25/2023

SECURE 2.0’s New & Improved (But Really Math-y) Tax Credits for Startup Plans

SECURE 2.0 (S2) took the tax credits of OG SECURE and enhanced them, particularly for plans with fewer than 50 employees. And if you think “enhanced” sounds a bit loaded, you’re right; credits have ...

Adam C. Pozek | 01/12/2023

SECURE 2.0 Overview Post

You have likely already heard and read plenty about SECURE 2.0, signed into law on December 29, 2022. Rather than write yet another recitation of what’s in the new law in chronological order, we are ...

Adam C. Pozek | 03/31/2022

Secure 2.0 - Don't Count Your Chickens Before They Hatch

Earlier this week, the House of Representatives passed SECURE 2.0. The bill (actual name is Securing a Strong Retirement Act of 2022) passed by the nearly unanimous margin of 414 to 5. It doesn’t get ...

DWC | 07/14/2020

Must I Complete the Upcoming Mandatory Plan Document Restatement Before Terminating My Plan?

Facts I currently sponsor a 401(k) plan for my employees. As I start to consider retirement myself and eventual dissolution of the business, I’m compiling a list of all the things I need to do to ...

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Decoding the Alphabet Soup: What’s With All the Acronyms | Part 6

Decoding the Alphabet Soup: What’s With All the Acronyms | Part 5

Decoding the Alphabet Soup: What’s With All the Acronyms | Part 4

In Case of Emergency, (Don't) Break Plan!

ESG Isn't Dead...Yet

Form 5500 – File It Late or Incomplete?

"Complete Control" with Recommended Contributions

“Cover Me” with the Pension Benefit Guaranty Corporation

10 Common Retirement Plan Compliance Failures Found by the IRS

2020 DOL Enforcement Stats: Is the Glass Half Full or Half Empty?

2020 Retirement Plan Tax Deductions - It's Not Too Late

401(k) Distribution Rules: After Taking a Hardship Distribution, How Quickly Must a Participant Stop 401(k) Contributions?

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SECURE 2.0

Extra! Extra! Stay up to date on the latest news about the DWC team.

The retirement plan landscape is ever evolving. We distill the details so you don’t have to!

We know cash balance rules can be intimidating! Settle into the Cash Balance Corner and let us break it down for you.

Have 401(k) questions? We have 401(k) answers! We bring you answers to many of the common questions we receive.

A behind-the-scenes look not at how the sausage is made, but why we make it the way we do. (Hint: It’s all about the best interests of the client.)

We’re all about learning from other people’s (alleged) mistakes. We might not be attorneys, but we still follow benefits-related cases and summarize lessons and key take-aways. No hourly fee needed for these insights!

A deeper dive into retirement plan topics doesn’t have to be headache-inducing. Our Pension Primer articles provide depth of information without depth of jargon!

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