What’s NOT in the SECURE Act hasn’t gotten much attention as everyone, including @FriendsTalkFinancialPlanning, have been focusing on explaining the changes that did make the cut. Before the SECURE 2.0 was passed, many ideas were put out there. In some cases advisors suggested taking pro-active action to avoid the negative impact of changes that ultimately haven’t come to pass!

Today we discuss another idea that is NOT in Secure Act 2.0.

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The Secure Act 2.0 is an important piece of legislation that was passed by the US Congress in December 2020. It is designed to strengthen retirement security for American workers and retirees. The Act includes a number of provisions that are designed to make it easier for people to save for retirement and to protect their savings.

However, there are some important provisions that are not included in the Secure Act 2.0. These include:

1. No Expansion of Retirement Savings Accounts: The Secure Act 2.0 does not expand the types of retirement savings accounts available to individuals. This means that individuals will not be able to open new types of accounts, such as Roth IRAs or Health Savings Accounts, in order to save for retirement.

2. No Changes to Required Minimum Distributions: The Secure Act 2.0 does not make any changes to the required minimum distributions from retirement accounts. This means that individuals will still be required to take out a certain amount of money from their retirement accounts each year, regardless of their age.

3. No Expansion of Tax Benefits for Retirement Accounts: The Secure Act 2.0 does not expand the tax benefits associated with retirement accounts. This means that individuals will not be able to take advantage of additional tax deductions or credits for contributing to their retirement accounts.

4. No Expansion of Lifetime Income Options: The Secure Act 2.0 does not expand the types of lifetime income options available to individuals. This means that individuals will not be able to take advantage of new types of annuities or other forms of lifetime income when they retire.

5. No Expansion of Social Security Benefits: The Secure Act 2.0 does not expand the amount of Social Security benefits that individuals are eligible to receive. This means that individuals will not be able to take advantage of additional Social Security benefits when they retire.

The Secure Act 2.0 is an important piece of legislation that is designed to strengthen retirement security for American workers and retirees. However, it does not include some important provisions that could have helped individuals save for retirement and protect their savings.