SECURE 2.0 Highlights — Roth SEPs/SIMPLE, RMDs at 73, New Penalty Exceptions

Congress quietly packed SECURE Act 2.0 with dozens of changes that matter to anyone saving for retirement — and in this episode Chris Drew walks through the pieces you can act on today. Learn which employer plans now allow Roth after-tax contributions (including SEP and SIMPLE IRAs) and how employers can match into Roth accounts, why a one-time $50,000 qualified charitable distribution matters, and which new exceptions to the 10% early-withdrawal penalty (qualified disasters, terminal illness, etc.) give you more flexibility when life goes sideways. Chris also clears up RMD confusion (the mandated RMD age is now 73 and why some custodians still mailed 72-year notices) and translates the headlines into a short action checklist: check plan menus for Roth/SEPs, coordinate Roth conversion timing with tax brackets, revisit your RMD and withdrawal sequencing, and meet with your advisor/CPA to lock in changes before year-end. Plainspoken, practical, and focused on turning new law into steps you can implement this summer. Want help applying SECURE 2.0 to your plan? Book a free consultation at https://askthecaptain.com or call 833-DREW-CAP (833-373-9227).See omnystudio.com/listener for privacy information.