--- title: Ep. 11 - SECURE 2.0 in Action (Part 1) description: Discover key SECURE 2.0 updates for retirement plans and learn what changes are coming in 2025 in this episode of the Legacy Lab podcast. image: https://rmcgp.com/hubfs/RMC%20-%20Podcast%20Blog%20(3)-1.png --- [ ← Back to Blog ](https://rmcgp.com/rmc-podcasts) # Ep. 11 - SECURE 2.0 in Action (Part 1) Written By RMC Group Published on: August 5, 2025 **Categories:** Retirement Plans ![Ep. 11 - SECURE 2.0 in Action (Part 1)](https://rmcgp.com/hubfs/RMC%20-%20Podcast%20Blog%20(3)-1.png) If you offer a retirement plan, or are thinking about starting one, the SECURE 2.0 Act brings some major changes you can’t afford to ignore. In this episode of* The Legacy Lab*, we sit down with RMC Group’s VP of Pensions, Tamara Middleton, to break down what’s already in effect—and what’s coming in the remaining part of 2025. [➡️ Listen on Apple Podcast](https://podcasts.apple.com/us/podcast/the-legacy-lab/id1789614291) [➡️ Listen on Spotify](https://open.spotify.com/show/3EwIWWVBssxAnW3qu5kPPZ?si=7913bf1d20bd49d5)   ## Key Takeaways Here are a few key takeaways from the episode of things already in effect: - **Starter 401(k)s and Safe Harbor 403(b)s** are now available to help small businesses get started with simplified plans. - **Tax credits are better than ever**—some employers can get up to 100% of startup costs covered. - **Student loan matching contributions** are now allowed and went into effect January 2024. - **Emergency savings accounts** can now be tied to retirement plans. If you haven’t reviewed your plan design in the past year, now’s the time. And here is what to expecting coming soon: - **Auto-Enrollment Mandate** begins for most new plans on January 1, 2025. Exemptions exist for companies with fewer than 10 employees or under 3 years old. - **Catch-up contributions for high earners** (earning $145,000+) must be Roth contributions. - **New communication requirements** for plan notices and participant statements. - **Payroll coordination and compliance updates** should begin now, even if enforcement is delayed until 2026. ## Additional Resources - [Meeting Link for Tamara Middleton](https://meetings.hubspot.com/tamara-middleton) - Secure 2.0 and Student Loans >> [read blog here](https://rmcgp.com/blog/2023/02/08/the-secure-2-0-and-student-loans) - SECURE 2.0 Act Boosts Tax Credits >> [read blog here](https://rmcgp.com/blog/2023/11/29/secure-2-0-act-boosts-tax-credits-for-small-employer-retirement-plans) - Follow us on social networks at @rmcgp on [LinkedIn](https://www.linkedin.com/company/rmc-group), [Facebook](https://www.facebook.com/rmcgp) and [Instagram](https://www.instagram.com/rmcgp/)   There was too much to fit in one episode about SECURE 2.0, so stay tuned for part 2 coming soon!   *The information provided in this podcast is for informational purposes only and does not constitute legal, financial, or professional advice. RMC Group recommends consulting with qualified professionals regarding your specific needs and circumstances.* ## Related Blog Posts [![Ep. 28 - What Happens if I Live Too Long?](https://rmcgp.com/hubfs/Email%20Headers%20-%20images%20pod.png) ](https://rmcgp.com/rmc-podcasts/ep.-27-what-happens-if-i-live-too-long) ### [Ep. 28 - What Happens if I Live Too Long?](https://rmcgp.com/rmc-podcasts/ep.-27-what-happens-if-i-live-too-long) Planning for longevity isn't just about money — it's about making sure your future quality of life is protected. We spend a lot of time planning for what happens if we die too soon. But what about... 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[Read More](https://rmcgp.com/rmc-podcasts/ep.-28-ten-years-of-giving-back-the-story-behind-the-rmc-open) [![Ep. 26 - When Disaster Strikes: Business Interruption Insurance and What Gets Left Out](https://rmcgp.com/hubfs/RMC%20-%20Podcast%20Blog%20(9).png) ](https://rmcgp.com/rmc-podcasts/ep.-26-when-disaster-strikes-business-interruption-insurance-and-what-gets-left-out) ### [Ep. 26 - When Disaster Strikes: Business Interruption Insurance and What Gets Left Out](https://rmcgp.com/rmc-podcasts/ep.-26-when-disaster-strikes-business-interruption-insurance-and-what-gets-left-out) The best time to understand your coverage is always before disaster strikes. This episode is where to start. What happens to your business when disaster forces you to close? Most business owners... [Read More](https://rmcgp.com/rmc-podcasts/ep.-26-when-disaster-strikes-business-interruption-insurance-and-what-gets-left-out) 1004 Collier Center Way #206 Naples, FL 34110 ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "RMC Group", "url" : "https://rmcgp.com/rmc-podcasts/author/rmc-group" }, "dateModified" : "2025-08-05T14:15:00.767Z", "datePublished" : "2025-08-05T14:15:00.000Z", "headline" : "Ep. 11 - SECURE 2.0 in Action (Part 1)", "image" : [ "https://rmcgp.com/hubfs/RMC%20-%20Podcast%20Blog%20(3)-1.png" ], "mainEntityOfPage" : { "@id" : "https://rmcgp.com/rmc-podcasts/ep.-11-secure-2.0-in-action-part-1", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://rmcgp.com/hubfs/RMC_Group_Logo_%5BYW.BL.NA%5D.svg" }, "name" : "RMC Group" } } ```