The newly passed SECURE 2.0 Act of 2022 initiated several retirement plan changes and enhancements. A key focus of this legislation is to expand coverage and retirement savings for those who are not taking advantage of their 401(k) or who do not have access to a corporate retirement plan whatsoever. These expansions include extending auto enrollment, enhancing tax credits for startup plans, and strengthening the savers credits. Still, some believe a whole new system would be helpful to solve the ever-present savings gap.
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