285 Hustler 032323

Dear Davis Schilken,

My wife and I have been working our whole lives and have finally decided it is time to settle down and retire. However, we recently saw there were changes with the tax code in what is called “Secure Act 2.0.” Wasn’t the Secure Act just passed in 2019? How will this impact our retirement, if at all?

Sincerely,

Sam Saver

Hi Sam –

This is a great question! The Secure Act 2.0 was recently passed in December of 2022. The passing of this act should have little, to know effect on your retirement plans. In fact, it clarified a few things from the original Secure Act and made retirement a little bit more flexible.

Here are just a few of those changes:

• RBD changed from age 72, to age 73 between 2023 and 2032, and age 75 in 2033;

• 529 Education Plan to Roth IRA rollovers (with some exceptions);

• Reduction on the Excise tax for a failed RMD penalty to 25% (down from 50%);

• Clarification on who qualifies as an Eligible Designated Beneficiary;

• Which Eligible Designated Beneficiaries are still subject to the 10 year withdraw rule;

• Changes to ROTH IRA contributions;

• Clearer definitions to Disabled and Chronically Ill beneficiaries

As always, there is no real way of knowing how these changes to the tax code may (or may not) change your Estate Plans. The best way to know how this will truly impact your plan is to sit down with your attorney and discuss with them personally.

Don’t let these changes negatively affect your Estate Plans. Let’s make sure we all remain on the same page. With a properly established and funded Estate Plan, we can ensure that you have the ability to give what you want, to whom you want, when you want, the way you want. During that process we can help you save money on every court cost, legal fee, professional fee, and tax fee legally possible.

Estate planning is never about how much you have, but how much you care about what you have.

Contact the Davis Schilken, PC team with any of your Estate Planning needs (303) 670-9855. We offer no obligation in person or virtual meetings. We make estate planning simple!

Visit

www.dslawcolorado.com

Davis Schilken, PC – Let our deep experience meet your heartfelt goals!

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TRIVIA

2. SCIENCE: What is the tallest grass in the world?

3. MOVIES: What is the name of the camp in “Friday the 13th”?

4. GEOGRAPHY: What is the term when two water streams join to form a larger stream?

5. INVENTIONS: What is Tim Berners-Lee credited with inventing?

6. ANATOMY: Where are the quadriceps located?

7. LITERATURE: Which poet wrote a six-volume biography of President Lincoln?

8. TELEVISION: Timothy Lovejoy is a minister on which animated TV series?

9. ANIMAL KINGDOM: Yaks are native to which region?

Solution

10. U.S. PRESIDENTS: Before he was elected president, which of the founding fathers attended the coronation of Napoleon at Notre Dame Cathedral?

Answers

1. Levi’s.

2. Bamboo.

3. Camp Crystal Lake.

4. Con uence.

5. World Wide Web.

6. ighs.

7. Carl Sandburg.

8. “ e Simpsons.”

9. Tibet, China.

10. James Monroe and his wife Elizabeth.

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NOW HERE’S A TIP

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FLASHBACK

1. Who released the English translation of “Seemann (Deine Heimat ist das Meer)” in 1960?

2. Who topped the charts with “ e Way You Make Me Feel”?

3. Which artist wrote and released “Lean on Me”?

4. Roger Daltrey is the lead singer of which band?

5. Name the song that contains these lyrics: “I’ll go it alone, that’s how it must be, I can’t be right for somebody else if I’m not right for me.”

Answers

1. Anne Shelton, who had a Top Ten version with “Sailor (Your Home is the Sea).” en Anne Murray released a chart topper with her own version.

2. Michael Jackson, in 1987. e song rst appeared on his album “Bad.”

3. Bill Withers, in 1972. It came in at No. 208 on e 500 Greatest Songs of All Time list in 2010. e list has been updated periodically, most recently in 2021.

4. e Who. Daltrey made his rst guitar when he was 13 years old and modeled it after a red Stratocaster.

5. “I’ve Gotta Be Me,” by Sammy Davis Jr., in 1968. e song was used in the musical “Golden Rainbow.” In more recent years the song has been used in soda and vehicle commercials.

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