Several new provisions of theSECURE Act 2.0went live for US workers at the start of 2025.

This federal legislation is designed to help Americans manage and contribute totax-advantaged retirement plans.

Here’s a breakdown of all the new rules for 2025 and how they could affect your savings.

Read more:Your Employer Can Auto-Enroll You in Their 401(k) Plan Next Year.

Those distributions are taxed as ordinary income.

RMDs exist because the IRS wants to be sure you eventually pay taxes on the money you invested.

The SECURE Act 2.0 brings several changes to RMDs, including:

The change pushes back the RMD deadline.

It’s also a good idea to talk with your tax advisor to avoid penalties.

Moreover, the incentives can only be offered to employees not currently enrolled in the employer’s retirement plan.

Saving for retirement is vital to your financial future.

If your employer sweetens the deal with an extra perk, it could help you pocket some extra money.

But don’t delay saving if your company doesn’t offer incentives.

Read more:IRS Announces 2025 Federal Tax Brackets.

As long as you follow certain rules, you get tax-free distributions in retirement.

Prior to this change, only employee contributions could go into a Roth account.

Employer matching contributions had to be made in a separate pretax account.

But if you want tax-free retirement income, a Roth account may make more sense.

The SECURE Act 2.0 makes it easier to take penalty-free distributions from retirement accounts should you experience financial hardship.

Some of the new rules include:

You canview the full list on the IRS website.

Many of these provisions are optional for employers to implement.

Regular Roth IRA annual contribution limits apply.

The student loan match is optional for employers.

Another change to catchup contributions will affect higher-earning workers beginning in 2026.

This means you won’t get a tax deduction.

You’ll be allowed to opt out or choose a different contribution rate.

The trouble is keeping track of multiple retirement accounts can get complicated.

Perhaps that’s why there’s about $1.3 trillion inforgotten retirement assetsin the US.

However, it only applies to plans established on or after Jan. 1, 2025.

That’s because only plans established in 2025 or later are required to comply.

It ranges from 10% to 50% of the amount contributed.

The current maximum is $1,000 for single filers or $2,000 for married couples filing jointly.

You won’t get this credit back as a refund.

The Saver’s Match isn’t scheduled to take effect until 2027.