---
title: Wealth Management Blog | WrapManager | Retirement Planning
description: Retirement Planning | Helpful tips, tactics and information about investment planning, money manager research, and managing your retirement.
---

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### [Understanding How the SECURE Act 2.0 Impacts Your Retirement](https://www.letsassemble.com/wealth-management-blog/secure-act-2)

 Posted by [ Doug Hutchinson | CFA®, Director of Research and Trading ](https://www.letsassemble.com/wealth-management-blog/author/doug-hutchinson)

January 23, 2023

[![Understanding How the SECURE Act 2.0 Impacts Your Retirement](https://www.letsassemble.com/hs-fs/hubfs/Charts%20and%20upward%20directed%20arrows%20against%20blue%20%20background.jpeg?width=300&name=Charts%20and%20upward%20directed%20arrows%20against%20blue%20%20background.jpeg) ](https://www.letsassemble.com/wealth-management-blog/secure-act-2)

The Consolidated Appropriations Act of 2023, passed by Congress and signed into law by the President, contained several retirement related provisions collectively known as the “SECURE Act 2.0.”  The SECURE Act 2.0 is a follow up to the original Setting Every Community Up for Retirement Enhancement (SECURE) Act passed and signed into law in December 2019. 

Here are some of the key provisions of this new law: 

**Raising the Required Minimum Distribution (RMD) Starting Age** 

The SECURE Act 2.0 pushes back the age at which retirees must begin taking RMDs to age 75.  This provision will be phased in over the next ten years, so the starting age for RMDs will be pushed back to age 73 in 2023 and then pushed back again to age 75 in 2033. 1 

The original SECURE Act moved the starting age to 72 in 2020 and the SECURE Act 2.0 has no impact on the RMD starting age of retirees who have already begun taking RMDs. 

**Using IRA Distributions for Giving** 

While the age at which RMDs begin will be changing, the SECURE Act 2.0 does not change the age at which Qualified Charitable Distributions (QCDs) can be made. 2  The earliest age at which an individual can make a QCD will still be 70 ½.  A QCD is an otherwise taxable distribution from an IRA that is paid directly from the IRA to a qualified charity.  

Also, the current annual limit of $100,000 for QCDs will be indexed to inflation going forward. 3  

**Higher Catch-Up Contribution Limits** 

Effective in 2025, workers between the ages 60 and 63 will see the catch-up contribution limits in certain employer retirement plans such as a 401(k) or 403(b) increased to the greater of $10,000 or 150% of the regular catch-up contribution limit. 4 

Also, all catch-up contributions limits for all age groups will be indexed to inflation (including the IRA catch-up contribution annual limit which is currently $1,000) starting in 2024. 5  

[[+] Read More](https://www.letsassemble.com/wealth-management-blog/secure-act-2)

[Retirement Planning](https://www.letsassemble.com/wealth-management-blog/topic/retirement-planning) [Saving for Retirement](https://www.letsassemble.com/wealth-management-blog/topic/saving-for-retirement) [RMD](https://www.letsassemble.com/wealth-management-blog/topic/rmd) [Required Minimum Distribution](https://www.letsassemble.com/wealth-management-blog/topic/required-minimum-distribution)

[![Year End Financial Review and Planning Checklist](https://www.letsassemble.com/hs-fs/hubfs/blog-files/Dont-forget-to-take-required-RMD.png?width=300&name=Dont-forget-to-take-required-RMD.png)](https://www.letsassemble.com/wealth-management-blog/yearendreview-0)

### [Year End Financial Review and Planning Checklist](https://www.letsassemble.com/wealth-management-blog/yearendreview-0)

December 9, 2021

 Before the year ends, take some time to review your financial health. Here are 10 financial planning items to review before 2021 comes to a close. 1. Take your Required Minimum Distribution Required Minimum Distributions (RMDs) were temporarily suspended for 2020 due to COVID-19 relief legislation but RMDs are back for 2021 and beyond. If your 70th birthday is on or after July 1, 2019, you will have to take an RMD from your retirement account prior to December 31st once you reach age 72 in most situations.1 Note that Roth IRAs do not have RMDs. Consult with your financial advisor to determine the exact amount of the RMD that you need to take before December 31st. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/yearendreview-0)

[![Lord Abbett Shares Reminders on October Deadlines for Retirement Planning](https://www.letsassemble.com/hs-fs/hubfs/social-suggested-images/Lord_Abbett_Market_Commentary.png?width=300&name=Lord_Abbett_Market_Commentary.png)](https://www.letsassemble.com/wealth-management-blog/lord-abbett-shares-reminders-on-october-deadlines-for-retirement-planning)

### [Lord Abbett Shares Reminders on October Deadlines for Retirement Planning](https://www.letsassemble.com/wealth-management-blog/lord-abbett-shares-reminders-on-october-deadlines-for-retirement-planning)

September 20, 2018

 If you miss or ignore any of these important, applicable dates, you could hurt your retirement finances. As summer comes to an end, don’t forget that October ushers in some critical deadlines—some of which carry penalties. To learn more about these deadlines and the dates to put on your calendar, read on. Also note that while this is not IRA-specific, October 15 is generally the last day to file an individual income tax return that’s on extension. October 1—Simple IRA Establishment This is the last date in which an employer can establish a SIMPLE IRA plan, effective for 2018. Those plans established after October 1 would not be effective until January 1, 2019, at the earliest. Notably, an exception applies for a newly established business. If you’re a new employer that started your business after October 1, you can establish a SIMPLE IRA plan for the plan year by the end of the same calendar year as soon as administratively feasible after your business came into existence. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/lord-abbett-shares-reminders-on-october-deadlines-for-retirement-planning)

[![Lord Abbett Dives Into the Roth Recharacterization Repeal in the New Tax Act](https://www.letsassemble.com/hs-fs/hubfs/social-suggested-images/Lord_Abbett_Market_Commentary.png?width=300&name=Lord_Abbett_Market_Commentary.png)](https://www.letsassemble.com/wealth-management-blog/lord-abbett-dives-into-the-roth-recharacterization-repeal-in-the-new-tax-act)

### [Lord Abbett Dives Into the Roth Recharacterization Repeal in the New Tax Act](https://www.letsassemble.com/wealth-management-blog/lord-abbett-dives-into-the-roth-recharacterization-repeal-in-the-new-tax-act)

August 23, 2018

 Recharacterization of Roth IRA conversions from traditional IRAs and 401(k)s has been repealed, but recharacterizing Roth contributions is still permitted. When Congress passed the Tax Reform Act of 1997, what was originally referred to as “IRA Plus” became known as Roth IRA after its primary sponsor, Senator William Roth (Del.). Two decades later, Roth IRAs continue to grow in popularity and assets, especially with younger investors. More than 30% of Roth IRA investors are younger than 40, while cumulative assets have grown to more than $660 billion as of December 31, 2016 (latest available), according to the Investment Company Institute. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/lord-abbett-dives-into-the-roth-recharacterization-repeal-in-the-new-tax-act)

[![How Jobs and Financial Markets Intersect](https://www.letsassemble.com/hs-fs/hubfs/blog-files/How%20the%20Stock%20Market%20is%20Impacted%20By%20the%20Jobs%20Report.png?width=300&name=How%20the%20Stock%20Market%20is%20Impacted%20By%20the%20Jobs%20Report.png)](https://www.letsassemble.com/wealth-management-blog/how-jobs-and-financial-markets-intersect)

### [How Jobs and Financial Markets Intersect](https://www.letsassemble.com/wealth-management-blog/how-jobs-and-financial-markets-intersect)

July 11, 2018

 How important are jobs and the unemployment numbers to financial markets? So important that strict rules were put in place over 30 years ago in an effort to prevent the numbers from being prematurely released to the public. Generally speaking, the only people with access to the numbers – before their official release – are the staff of the agency issuing the data, and the President of the United States and his executive team. Since the jobs numbers are considered “market-moving data,” it makes sense that the data should be treated, in a sense, like insider information. Here’s how it works: The Bureau of Labor Statistics (BLS) releases its monthly employment report on the first Friday of the month, at 8:30 AM. But the night before, the president and several senior administration officials — including the Treasury secretary and the chairman of the Council of Economic Advisers — are briefed on the numbers. By rule, no one can discuss the numbers at all before the official release at 8:30 AM. In fact, the data is considered so sensitive that staffers are supposed to wait until a full hour after the release to make any public comments about it. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/how-jobs-and-financial-markets-intersect)

[![Lord Abbett Wants to Make Sure You Don't Overlook These Retirement Planning Milestones](https://www.letsassemble.com/hs-fs/hubfs/social-suggested-images/Lord_Abbett_Market_Commentary.png?width=300&name=Lord_Abbett_Market_Commentary.png)](https://www.letsassemble.com/wealth-management-blog/lord-abbett-wants-to-make-sure-you-dont-overlook-these-retirement-planning-milestones)

### [Lord Abbett Wants to Make Sure You Don't Overlook These Retirement Planning Milestones](https://www.letsassemble.com/wealth-management-blog/lord-abbett-wants-to-make-sure-you-dont-overlook-these-retirement-planning-milestones)

July 5, 2018

 Planning for Retirement? Don't Overlook These Milestones With millions of Americans owning tax-advantaged retirement accounts, totaling $28 trillion in assets, in many types of accounts—such as a 401(k), 403(b), 457, and an IRA (Roth, traditional, SIMPLE, SEP, SAR SEP, rollover, inherited, etc.), each with their own rules—it’s little surprise that slip-ups and or oversights occur all too frequently. Misunderstanding or outright ignoring a number of key dates, for example, can be costly—in terms of financial penalties and/or lawyers and accountant fees, not to mention considerable time to amend the errors. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/lord-abbett-wants-to-make-sure-you-dont-overlook-these-retirement-planning-milestones)

[![The Shaky State of Social Security](https://www.letsassemble.com/hs-fs/hubfs/blog-files/The%20Uncertain%20Future%20of%20Social%20Security%20Benefits.png?width=300&name=The%20Uncertain%20Future%20of%20Social%20Security%20Benefits.png)](https://www.letsassemble.com/wealth-management-blog/the-unknown-future-of-social-security)

### [The Shaky State of Social Security](https://www.letsassemble.com/wealth-management-blog/the-unknown-future-of-social-security)

July 4, 2018

 If there’s a good word to describe the state of Social Security in America, it might be something like “uncertain.” And that’s a far cry from the reliable, dependable safety net that many retirees and future retirees have come to expect of the program. Many readers probably know where this is going – the familiar narrative that Social Security is underfunded, may run out of money soon, and may not be there for future generations. Even still, as the checks continue rolling in, the idea that Social Security is in trouble has a feeling of being far-fetched. For many, it feels like an issue that may indeed be true but doesn’t necessarily apply to you specifically. First signed into effect by President Roosevelt on August 14, 1935, the Social Security Act created a social insurance program designed to pay retired workers over the age of 65 continuing income after retirement. Since then, tens of millions of people have received benefits through the Social Security Act. Yet, the program was wrought with challenges from the start, and experienced financial peril as early as 1977.¹ And, despite attempts to keep it solvent, the Social Security program faces a major long-term shortfall. Surprisingly though, a large number of Americans seem unaware of this looming failure. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/the-unknown-future-of-social-security)

[![Do You Live in One of the Wealthiest Parts of the Country?](https://www.letsassemble.com/hs-fs/hubfs/blog-files/These%20are%20the%20Wealthiest%20Cities%20in%20America.png?width=300&name=These%20are%20the%20Wealthiest%20Cities%20in%20America.png)](https://www.letsassemble.com/wealth-management-blog/richest-communities-in-america)

### [Do You Live in One of the Wealthiest Parts of the Country?](https://www.letsassemble.com/wealth-management-blog/richest-communities-in-america)

June 27, 2018

 For nearly 20 years WrapManager has been headquartered in the San Francisco Bay Area, which is notoriously (based on hard data) one of the most expensive areas in the world. And while we are a nation-wide investment manager, it comes as little surprise (to us at least) that 21 of the 100 wealthiest cities in the US are in California, with most them in the San Francisco Bay Area. This fun fact may have some readers now wondering what the 100 wealthiest cities/communities are, and whether you might live in one of them! (It left us quite curious.) Well, thanks to a Bloomberg analysis of 2016 US Census data, now you can find out. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/richest-communities-in-america)

[![What History Tells Us about Tariffs and the Threat of Trade War](https://www.letsassemble.com/hs-fs/hubfs/blog-files/Tariffs%20and%20Trade%20Wars.png?width=300&name=Tariffs%20and%20Trade%20Wars.png)](https://www.letsassemble.com/wealth-management-blog/what-history-tells-us-about-tariffs-and-the-threat-of-trade-war)

### [What History Tells Us about Tariffs and the Threat of Trade War](https://www.letsassemble.com/wealth-management-blog/what-history-tells-us-about-tariffs-and-the-threat-of-trade-war)

June 20, 2018

 The Tariff Act of 1930, otherwise known as the Smoot-Hawley Tariff, was signed into law by President Herbert Hoover…even as nearly 1,000 economists warned of its dire consequences. The law slapped nearly 900 American duties on imported goods and was done in an effort to boost domestic spending and to protect American companies. Sound familiar? While virtuous in its design, the outcome of the Smoot-Hawley tariffs was far from virtuous. Instead of protecting the US economy, the tariffs arguably helped fuel the Great Depression. Back in 1930, European countries responded to the Smoot-Hawley tariffs by retaliating with tariffs of their own, creating an all-out trade war that produced no clear winners. The Great Depression left no part of the US economy unscathed. Fast forward to 2018, and we find ourselves in a situation somewhat similar to the one we saw in 1930, with the US threatening – or outright imposing – tariffs on some of our biggest trading partners, in an effort to protect American companies. There is little doubt amongst economists that China does, indeed, have unfair advantages and strict requirements for American companies doing business there. Change is arguably needed. The question is, will we have to endure a trade war to get it? [[+] Read More](https://www.letsassemble.com/wealth-management-blog/what-history-tells-us-about-tariffs-and-the-threat-of-trade-war)

[![Avoiding Slow Failure in Retirement Planning](https://www.letsassemble.com/hs-fs/hubfs/blog-files/Newfound%20Research%20-%20Avoiding%20Slow%20Failure%20in%20Retirement%20Planning.png?width=300&name=Newfound%20Research%20-%20Avoiding%20Slow%20Failure%20in%20Retirement%20Planning.png)](https://www.letsassemble.com/wealth-management-blog/avoiding-slow-failure-in-retirement-planning)

### [Avoiding Slow Failure in Retirement Planning](https://www.letsassemble.com/wealth-management-blog/avoiding-slow-failure-in-retirement-planning)

May 30, 2018

 Editor’s Note: This article was written for the WrapManager Wealth Management blog by guest author Justin Sibears, a Portfolio Manager at Newfound Research. More information about Justin and Newfound can be found at the bottom of the article. Slow failure in investing happens when portfolio returns are insufficient to generate the growth needed to meet your objectives. No one event causes this type of failure. Rather, it slowly builds over time. Think death by a thousand papercuts or your home slowly being destroyed from the inside by termites. Traditionally, this type of slow failure was probably the result of taking too little risk. Oversized allocations to cash, which as an asset class has barely kept up with inflation over the last 90 years, are particularly likely to be a culprit in this respect. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/avoiding-slow-failure-in-retirement-planning)

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