As the year draws to a close, prognosticators once again attempt to foresee what may be on the road ahead. In the financial world, a number of alarm bells have been sounding about shortfalls, potential or actual, in Medicare funding and the Social Security trust fund and the lack of action by politicians to address either.

Bills passed in the House or advanced out of committee are sitting gathering dust in the Senate: The Social Security 2100 Act, the Rehabilitation for Multiemployer Pensions Act, the Health Savings for Seniors Act and the Retirement Enhancement Act. However, the SECURE Act was passed by the Senate, attached to an end-of-year spending bill.

But 2020 is on the way no matter what action—or lack of it—is taken. Here's a short list of six changes that may await the retirement industry and plan participants in the coming year.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.