Retirement

SECURE 2.0 Act: Mandatory Roth Catch-up Contributions

Beginning January 1, 2026, the Secure 2.0 Act Roth Catch-up rule requires higher-income employees who make catch-up contributions to do so on an after-tax, or Roth, basis. Previously, employees could choose between pre-tax (Traditional) or after-tax (Roth) catch-up contributions, depending on the plan’s provisions. Here’s what you need to know about this key change: What […]

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CalSavers: Compliance for Small Businesses in 2026

If you’re a California employer with at least one employee, 2026 is the year to act on your retirement plan offerings. The final compliance deadline for California’s CalSavers program is December 31, 2025, and enforcement is now in effect. What is CalSavers? CalSavers is a state-sponsored retirement savings program designed to help Californians save for

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Securing Your Retirement Future – What You Need to Know About the Secure 2.0 Act

What is Secure 2.0? On December 29, 2022, the Secure 2.0 Act was signed into law by President Biden as part of the Consolidated Appropriations Act of 2023. The Act has 92 provisions aimed at increasing savings, boosting business incentives, and providing participants with more flexibility when saving for retirement. The SECURE Act (Setting Every

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