SECURE 2.0 Act
401(k) plans are moving away from serving as voluntary retirement savings vehicles and towards a future where plans are mandatory and serve as a financial backstop to more than just retirement. This shift began before SECURE 2.0, as Congress approved the use of 401(k) funds to help individuals recover from designated disaster areas with the enactment of special rules related to the use of funds to purchase a home, and with the recent trend towards more holistic financial wellness offerings from recordkeepers and other 401(k) service providers.
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