The SECURE 2.0 Act’s Five Biggest Winners

Almost anyone planning for retirement wins with the SECURE 2.0 Act provisions, but some people could be bigger winners than others.

An older woman celebrates while looking at her computer screen at her desk.
(Image credit: Getty Images)

There are dozens of pleasant surprises among the bundle of new retirement rules collectively known as the SECURE 2.0 Act. These provisions that were included in the $1.7 trillion federal spending bill passed in December aim to expand ways people can save more money and defer taxes. Altogether, they will reshape how millions of Americans plan for retirement, including older adults stuffing away extra money in their nest eggs and those struggling to pay off student debt.

But these policy changes benefit more than just savers in 401(k) plans. If you’re a business owner, for instance, the SECURE 2.0 Act also makes it easier and less expensive to set up a retirement plan.

Essentially, almost anyone planning for the future wins with this new law. However, the people listed below come away as the big winners. Are you one of them?

Pam Krueger
Founder, Wealthramp

With more than 25 years in investor advocacy, Pam Krueger is the founder and CEO of Wealthramp, an SEC-registered adviser matching platform that connects consumers with rigorously vetted and qualified fee-only financial advisers. She is also the creator and co-host of the award-winning MoneyTrack investor-education TV series, seen nationally on PBS, and Friends Talk Money podcast.