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SECURE 2.0 Employer Checklist

FREE WHITE PAPER

SECURE Act 2.0 passed: Here’s what you need to know 

Paid non-client of Betterment. Views may not be representative, see more reviews at G2. HR Morning is a promoter who is paid by Betterment. Due to this compensation, HR Morning has an incentive to recommend Betterment which is a conflict of interest. They are compensated up to $8,800 per advertisement.

The Act, signed into law in December 2022, creates legislative provisions to help improve retirement savings for thousands of Americans. Find out how these provisions could affect you and your employees straight from the experts at Betterment.

Their checklist breaks down:

  • The expansion of automatic enrollment and escalation
  • Enhanced tax credits for small employer plans
  • Catch-up contribution updates
  • And a whole lot more!


While the information provided about SECURE 2.0 is accurate based on Betterment’s current understanding and analysis, the details described in Betterment’s content are subject to change based on additional regulatory guidance. Betterment content should not be considered legal or tax advice.

The articles and customer support materials available on this property are educational only and not investment or tax advice.

Who Provides What Service?

401(k) plan administration services provided by Betterment for Business LLC. Investment advice to plans and plan participants provided by Betterment LLC, an SEC registered investment adviser. Brokerage services provided to clients of Betterment LLC by Betterment Securities, an SEC registered broker-dealer and member of FINRA /SIPC.

Betterment LLC does not require clients to maintain a minimum investment account balance. However, accounts below a certain balance may have certain restrictions. For more information, please see additional disclosure.

Betterment at Work services offered by Betterment LLC. Student loan management services made available in partnership with Spinwheel Solutions, Inc. Neither Betterment LLC nor any of its affiliates is a bank.

Let’s Talk about Risk

Investments in securities: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and Betterment’s charges and expenses. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature.

Before investing, consider your investment objectives and Betterment LLC’s fees and expenses. Betterment LLC’s internet-based advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see Betterment’s Form CRS, Form ADV Part II and other disclosures.

Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment LLC is not registered.

Who Provides the Market Data?

Market Data by Xignite. Fund data © 2022 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.

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Disclosures

While the information provided about SECURE 2.0 is accurate based on Betterment’s current understanding and analysis, the details described in Betterment’s content are subject to change based on additional regulatory guidance. Betterment content should not be considered legal or tax advice. This content from Betterment LLC and Betterment for Business LLC (d/b/a Betterment at Work) is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. The information contained is intended for educational purposes only and is not meant to constitute investment or tax advice. Advisory services provided by Betterment LLC, an SEC-registered investment adviser. Brokerage services provided to clients of Betterment LLC by Betterment Securities, an SEC-registered broker-dealer and member of FINRA/SIPC. 401(k) plan administration services provided by Betterment for Business LLC. Investments in securities: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. © Betterment. All rights reserved.