In this episode of It’s About Your Paycheck, we’re joined by retirement and compliance expert Marc Fowler to unpack the key provisions of Secure Act 2.0. From automatic enrollment to Roth catch-up contributions and the impact on payroll systems, Marc shares what employers and employees need to know to stay ahead of the changes. Whether you’re in HR, payroll, or planning for retirement, this episode has insights you won’t want to miss.

00:00 Introduction and Episode Overview

00:27 Personal Updates and Financial Fitness

03:19 News and Statistics on 401k Participation

05:45 Introducing the Guest: Mark Fowler

07:44 Discussion on Secure Act 2.0 and 401k

12:23 Mark Fowler's Background and Career Path

14:55 Financial Security and Emergency Withdrawals

25:36 Exploring Loan Options and Tax Implications

27:14 Understanding 401k Plan Provisions

29:17 Emergency Withdrawals and Penalties

33:11 Advocating for Better 401k Features

34:37 Employer Benefits and Financial Wellness

37:13 Administrative Burdens of Secure 2.0

39:30 Employee Challenges with 401k Plans

42:02 Final Advice and Personal Reflections

48:21 Resources and Closing Remarks

Links & Resources

humaninterest.com - Find Marc here!

itsaboutyourpaycheck.com

Brian's New Updates -

In 2025, about 57% of US workers have access to 401(k) plans, with 84.9% of those participating in them. However, a significant portion (43.5%) of workers do not participate in 401(k) plans, and nearly half (49.9%) do not receive employer matching contributions.

“Employers are recognizing that financial stress is a productivity issue. Secure Act 2.0 gives companies tools to support financial well-being in real, practical ways.”

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