Short Form The SECURE Act 2.0 Change That Affects Every Retirement Account You Own

LEGACY INVESTMENT SERVICES

YouTube Short Script  |  June 2025  |  Week 4 - Short 7

TITLE: The SECURE Act 2.0 Change That Affects Every Retirement Account You Own

ADVISOR: Jordan Cassiani

RUNTIME: 55-65 seconds

FORMAT: Vertical 9:16, tight on-camera, no cuts

CTA: Link in bio for complimentary retirement income analysis

Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Legacy Investment Services and Osaic Wealth are separate entities. Content is for educational purposes only. Not investment, tax, or legal advice. All scenarios are hypothetical illustrations.

SCRIPT

SECURE Act 2.0 passed in late 2022 and it made several changes to retirement account rules that are still working their way into people's planning. Here are the ones most likely to affect you.

The required minimum distribution age increased from 72 to 73 starting in 2023, and it will increase again to 75 in 2033. If you turned 72 before 2023, your RMD rules are different, so double check where you fall.

Roth accounts inside a 401(k) no longer have required minimum distributions starting in 2024. Previously, Roth 401(k) balances were subject to RMDs even though the distributions would be tax-free. That rule is gone, making the Roth 401(k) much more valuable as a long-term accumulation tool.

Starting in 2024, 529 accounts that have been open for 15 or more years can be rolled to a Roth IRA for the same beneficiary, up to $35,000 lifetime. This changed the calculus on funding 529 plans significantly.

Catch-up contributions for people aged 60 through 63 increased to $11,250 on top of the regular limit starting in 2025, meaning higher earners near retirement can accelerate savings significantly.

These changes affect your strategy. If you have not reviewed your plan in light of them, now is the time. Link in my bio.

PRODUCTION NOTES

This is the most information-dense short in the batch. Keep the delivery fast and clean. Each bullet is its own sentence. Consider breaking this into two shorts if the runtime runs long.

Legacy Investment Services  |  Jordan Cassiani  |  Legacy - SECURE Act 2.0 Changes - Short - Week 4