2025 UPDATE
What Important Issues Should I Consider Regarding the Secure Act 2.0?
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The SECURE Act 2.0 implements several changes that affect many different areas of financial planning. Many clients will have questions about how this impacts them — and what they should be doing about it. That’s where you step in.
Using this checklist, you will be able to effectively highlight the important changes that affect your client, identify some proactive planning points to consider, and be able to chronologically prioritize which next steps should be taken. This checklist covers many important issues to consider as a result of the SECURE Act 2.0, such as:
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Understanding and prioritizing the chronological order of new changes.
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Explaining changes made to retirement planning, including RMDs, employer contributions, catch-up contributions, and much more.
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Highlighting the several new ways of accessing retirement funds without incurring a penalty.
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Introducing entirely new planning points to consider, such as the 529-to-Roth transfer, the new Emergency Savings Account, and the retroactive establishment of solo 401(k) plans.
Important Numbers for 2025​
​Please click on the PDF to download your copy of "Important Numbers for 2025"
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There are lots of significant numbers that advisors need to keep in mind. In some cases, those numbers are annual limits that change each year. Other times, the figures do not often change but are used frequently. Given the various sources that report relevant numbers, it can be challenging to find the proper reference during a client meeting quickly.
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Please see the two-page “Important Numbers” summary guide in response to this challenge. This quick reference guide covers important annual limits and figures commonly referred to during the year. It includes:
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Tax rates for MFJ, Single, and Estates/Trusts
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AMT annual limits
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LTCG rates for MFJ, Single, and Estates/Trusts
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Standard deductions for MFJ and Single
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Social Security annual limits (including earning limits)
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Full Retirement Age chart
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Social Security taxation summary for MFJ and Single
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IRMAA surcharges
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Retirement plan annual limits
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Traditional and Roth IRA annual limits
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Education tax credits
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Uniform Lifetime Table (abbreviated version)
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Single Lifetime Table (abbreviated version)
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Estate and gift tax annual limits
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HSA annual limits