rossenashby321348

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Thanks to Secure Act 2.0, you’ll be capable of withdraw as a lot as $1,000 without penalty as an emergency distribution, with the option to repay the distribution within three years. You can't take out another distributions within that three year period till the unique money is repaid. Small companies with 10 or fewer staff, government plans, church plans and new companies which have been in business for lower than three years are exempt from auto enrollment. Profit and prosper with the best of expert recommendation on investing, taxes, retirement, private finance and extra - straight to your e-mail.

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" 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From higher catch-up contributions to computerized 401 enrollment, we’ve identified 5 of the most important changes you want to learn about from this new legislation. Other provisions address issues surrounding stock ownership and financial savings bonds. Consult a monetary advisor or trusted tax skilled if you have questions or concerns about how these adjustments might impact you or your taxes. This SECURE 2.0 abstract highlights key provisions of the model new regulation and potential implications on your retirement planning. The SECURE 2.zero Act makes major adjustments to 401, IRA, Roth, and other retirement financial savings plans.
Fidelity Smart Money? What the information means on your money, plus ideas to help you spend, save, and make investments.Active Investor Our most superior investment insights, strategies, and tools. Starting in 2026,1if you earn more than $145,000 in the prior calendar 12 months, all catch-up contributions to a office plan at age 50 or older will have to be made to a Roth account in after-tax dollars. Individuals incomes $145,000 or less, adjusted for inflation going ahead, might be exempt from the Roth requirement. Section 314 permits survivors of domestic abuse to withdraw the lesser of $10,000 or 50% of their retirement account with out penalty (starting Jan. 1, 2024). Under Section 603 of SECURE 2.0, catch-up contributions by employees who make more than $145,000 per year must be made with after-tax dollars . Employers can encourage participation with small financial incentives.
You ought to seek the advice of with a tax advisor if you believe that you would be owe an excise tax on a missed RMD. If you withheld taxes from your distribution, you will want to redeposit them to your account out of pocket, and will obtain a credit score in that quantity if you file your taxes for 2023. Under SECURE 2.0, retirement savers who turn seventy two on or after January 1, 2023, want to start taking RMDs at age seventy three.

h2>You’re Our First PriorityEvery Time</h2>
If you've set up an automated withdrawal plan to begin RMDs in 2023, you must converse together with your tax advisor to resolve whether or not delaying an additional 12 months is best for you. Under the old regulation, if you owned a retirement account and turned age seventy two in 2023, you had till December 31, 2023, to take your first RMD. However, you had a one‐time IRS option to delay that first RMD until April 1, 2024. The Secure Act 2.zero fixes this oversight and ends the RMD requirement for Roth cash in workplace retirement accounts.

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The SECURE 2.0 Act of 2022, signed into law in December 2022, expands retirement protection and savings opportunities, together with changes to outlined contribution plans, defined benefit plans, particular person retirement accounts , and 529 plans. The modifications take effect on a staggered timeline, beginning on January 1, 2023 and completing in 2027, with most taking impact in 2023 and 2024. Big scholar loan funds hold many workers from having the flexibility to save for retirement. Secure Act 2.zero permits employers to consider student loan funds as elective retirement contributions for the purpose of constructing staff eligible for matching contributions.
As for the emergency fund, $1,000 simply isn’t sufficient to cover most emergencies in 2023. With no checks in place to ensure that money is getting used for an precise emergency and such a low limit, it’s very potential that people will use this provision to borrow from their retirement accounts frivolously. In 2023, Americans can contribute $22,500 to qualified office retirement plans like a 401 or a 403. If they’re 50 or over, standard catch-up contributions allow them to keep away from wasting an additional $7,500 per year. Saver’s match.Beginning in 2027,the SECURE 2.zero Act replaces the nonrefundable Saver’s Creditfor some IRA and retirement plan contributions with a federal matching contribution that will be deposited into your IRA or retirement plan.
With new provisions in Secure Act 2.0, people 50 and older could have a number of extra choices to catch as a lot as their retirement goals. With catch-up contributions, the IRS permits older Americans to contribute more to their retirement funds past the annual limit. This could assist make up for missed alternatives to keep away from wasting after they had been younger. People will automatically be enrolled in some workplace retirement plans by their employer. Another provision highlighted by the congressional tax leaders’ letter to Treasury as needing technical clarification involves the RMD relevant age. As famous earlier, SECURE 2.zero Act Section 107 increased the applicable age for RMDs to seventy three, efficient Jan. 1, 2023, and to age seventy five on Jan. 1, 2033, for sure people, but there was some ambiguity within the regulation as written.

h3>Rollover Your Old 401(k) Into An Ira Account Free Of Charge</h3>
However, when you exercise that option and wait until April 1, 2025, you'll be required to take two distributions that year, satisfying your first and second RMD. This can help you keep your retirement savings in one place you'll be able to track and retains your retirement savings from earlier employers from being misplaced in the ether earning no interest. Switching jobs incessantly can advance your career more rapidly than staying with the identical employer for decades. Unfortunately, if you’re a serial job hopper that also means frequently rolling over your 401 retirement financial savings. The 401 has turn out to be the default answer for retirement financial savings, with poor outcomes for individuals who haven’t taken benefit of them?or don’t get one through work.

ul> <li>Fidelity does not assume any duty to replace any of the knowledge.</li> <li>Section 302 reduces the excise tax?the penalty you pay?on failure to take an RMD from 50% to 25%.</li> <li>More than ninety provisions in SECURE 2.0 cover all forms of retirement savings plans.</li> <li>A required minimum distribution is a selected sum of money you must withdraw from a tax-deferred retirement account annually, beginning at age 73.</li></ul>
IRAs currently have a $1,000 catch-up contribution restrict for individuals age 50 and over. Starting in 2024, that limit will be listed to inflation, which means it may improve yearly, based mostly on federally decided cost-of-living will increase. A Roth 401 is an employer-sponsored retirement financial savings account that's funded with post-tax money. Section 127 permits workers to set up a Roth emergency savings account with as a lot as $2,500 per participant (starting Jan. 1, 2024). Section a hundred and fifteen permits participants to entry as much as $1,000 from retirement financial savings for emergency personal or family bills with out paying the 10% early withdrawal penalties (starting Jan. 1, 2024). However, pushing again your retirement payouts comes with a caveat.
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Here are eight methods the Secure 2.0 Act might affect your retirement financial savings as quickly as this year. Some different noteworthy provisions of the SECURE 2.0 Act are described under in connection with the dialogue of anticipated technical corrections. SECURE 2.0 reduces the penalty for missed RMD amounts from 50% to 25%. If you miss all or part of your RMD, you probably can request the penalty be decreased to 10% by taking your missed amount and filing a corrected tax return within the relevant interval.
UnderSECURE 2.zero,if you're a minimal of 50 years old and earned $145,000 or extra in the earlier yr, you may make catch-up contributions to your employer-sponsored 401 account. But you would have to make these extra contributions on a Roth foundation, utilizing after-tax money. Also, as of 2024, SECURE 2.zero Act guidelines, which are actually delayed, have been designed to impression how eligible staff with incomes over $145,000, make catch-up contributions.

If the participant’s wages exceed $145,000 within the previous yr, all catch-up contributions have to be handled as Roth. Before sharing sensitive info, ensure you’re on a federal government site. Impact in your credit could vary, as credit scores are independently decided by credit score bureaus based on a quantity of factors including the financial choices you make with other monetary providers organizations. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, funding decisions, customer assist and mobile app capabilities. Your go-to source for tax developments and skilled insights. This article discusses the history of the deduction of business meal expenses and the new rules beneath the TCJA and the regulations and offers a framework for documenting and substantiating the deduction.
“If you’re trying to set up an adolescent for long term financial success, a 529 plan is among the best methods to cross on moderate generational wealth and stability,” he says. Secure Act 2.0’s adjustments offer you more flexibility for taking RMDs, however it’s greatest to take a broad view of your particular scenario. The longer you delay distributions, the larger they’ll need to be, which is ready to improve your tax bill.
Previously, there was a difference within the rules that utilized to Roth 401 accounts in employer plans versus Roth IRAs (i.e., the latter weren't subject to required minimum distributions). Section 117 increases the annual deferral limit and the catch-up contribution at age 50 for SIMPLE IRA or 401 plans by 10% for employers with 25 or fewer workers. Employers with 26 to one hundred workers are allowed to provide higher deferral limits if the employer supplies a 4% matching contribution or a 3% employer contribution. 401 or 403 plan, you usually should decide in to participate ? although some employers do present computerized enrollment. Federal lawmakers have mentioned that manual enrollment decreased participation for eligible staff, significantly Black, Latino and lower-wage employees. Yes, SECURE 2.0 clarified the reimbursement rules for certified birth and adoption distribution added underneath SECURE 1.0.
These matching retirement contributions must vest beneath the identical schedule as different matching retirement contributions under the plan, and annual worker certification of student loan payment is required. Thus, where plans permit, workers need now not forgo employer matching retirement contributions as a end result of they elect to pay off scholar loans as an alternative of investing in retirement. Automatic enrollment and automatic plan portability.The laws requires businesses adopting new 401 and 403 plans to automatically enroll eligible staff, starting at a contribution price of no much less than 3%, beginning in 2025.
Additionally, Roth accounts in employer retirement plans will be exempt from the RMD necessities beginning in 2024. Starting in 2024, RMDs will no longer be required from Roth accounts in employer retirement plans. In our evaluation, one of the best IRA accounts provide a large number of low-cost mutual funds and ETFs, helpful retirement planning instruments, educational steerage and robust customer support. The steadiness of the account is capped at $2,500 , and contributions can cease or be directed to a Roth-defined contribution plan if obtainable till the balance drops beneath the cap. https://mega.nz/aff=CU5U4OlDge0 from this account aren’t subject to fees or costs, and after workers go away the corporate, they will choose to take the funds in cash or roll those funds right into a Roth-defined contribution plan or IRA. People with scholar loans can benefit from a brand new incentive under Secure 2.0 Act to steadiness saving for retirement and repaying student loans as a substitute of selecting one or the other.