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SECURE 2.0: Key Provisions

This 12-page Voya Financial reference guide summarizes the mandatory and optional provisions of the SECURE 2.0 Act across multiple effective dates (2023–2027+), covering changes to RMDs, catch-up contributions, automatic enrollment, Roth rules, emergency savings accounts, and plan administration for 401(k), 403(b), 457(b), and IRA vehicles. The document is structured as a plan-sponsor compliance tool, detailing which plans are affected, effective dates, and operational impacts for each provision.