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Congress has implemented significant updates to retirement plan rules under the SECURE 2.0 Act—and many of these changes are already in effect. These new provisions impact both employer-sponsored plans and employee retirement strategies, and failing to adapt may leave businesses vulnerable to compliance issues and employee dissatisfaction. At VantagePoint, we’ve seen a growing number of …

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What is the Retirement Savings Contributions Credit or the Saver’s Credit? The Retirement Savings Contributions Credit also known as the Saver’s Credit offers a benefit for low-to-moderate-income taxpayers making eligible retirement contributions, functioning as a nonrefundable credit to lower owed taxes potentially to zero.  The Saver’s Credit offers a financial incentive for individuals contributing up …

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The start of a new year presents an excellent chance to enhance your retirement savings. A 401k plan is a retirement savings plan provided by an employer to its eligible workers. This plan allows for payroll deductions to be made either before taxes, following the traditional 401k plan format, or after taxes, as seen in …

Continue reading “Secure Act 2.0 Explained: Transforming Your 401k & Retirement Planning”