Ep. 22 - The 2025 Retirement Plan Rescue: How SECURE 2.0 Gives Business Owners a Second Chance

Think You Missed the 2025 Retirement Planning Window? Think Again.

Many business owners assume that once the calendar year ends, so do their opportunities to implement tax-advantaged retirement strategies.

Thanks to SECURE 2.0, that assumption is no longer true.

In this episode of The Legacy Lab, Megan and Ashley sit down with retirement plan expert Tamara Middleton to unpack how employers can still establish retirement plans tied to the 2025 tax year, unlock valuable tax credits, and prepare for major regulatory changes on the horizon.

For advisors and business owners alike, this episode highlights why the current planning window may be one of the most powerful in years.

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Key Takeaways

1. SECURE 2.0 expanded retirement planning opportunities

2. Tax credits can significantly offset plan costs

3. Retroactive plans create a “second chance”

4. Future compliance changes are coming

5. Advisors don’t have to navigate this alone

How RMC Group Supports Retirement Plan “Rescues”

At RMC Group, our retirement division works with advisors and employers to design plans that align with tax strategy, workforce goals, and long-term growth.

Our team supports:

• Plan design and implementation
• Tax credit analysis and optimization
• Compliance and regulatory guidance
• Retroactive plan feasibility reviews
• Ongoing plan consulting as businesses evolve

The result: advisors strengthen client relationships, and employers gain a powerful financial and employee benefit tool.

Other Resources

• Meeting Link for Tamara Middleton

• Get the Tool Kit >> Read Here

• SECURE 2.0 Update: Roth Catch-Up Contributions Required for High Earners in 2026 >> Read Here

   

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