Wherever you are in your retirement planning journey, you ought to know these new rules affecting your retirement planning. The SECURE Act 2.0 of 2022 has brought some changes, plus you can now take advantage of new tools to grow and secure your retirement.

Your hard earned income provides for your current needs and future dreams. Are you confident that you’re planning right? Taking advantage of all existing rules, allowances, tax breaks and exceptions makes for a solid retirement planning strategy.

You may be well on your way to building a comfortable nest egg, but if you haven’t considered adding guarantees in your plan to plug potential future holes in your retirement bucket, your retirement may be at stake. We’ll help you use all the tools available at your disposal, to ensure you reach your planned goals.

In this article we’ll go over 401(k)s, Roth IRA, Backdoor Roth plans, utilizing equity built in your life insurance policy to supplement retirement funds and how to legally lower your tax rate and obligations in retirement.

We’ll address how to use these tools from different perspectives, as it may apply to you: are you self-employed or business owner, or do you get paid as an employee? Your income level also can trigger availabity of certain tools, and we’ll help you figure out all the vehicles you can use to accelerate, protect and keep your hard earned retirement money.

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Artwork: a person squinting at a nest with golden eggs each bearing a letter, spelling RETIREMENT. The nest part is blurry, unclear.

Second scene: LifeGuy glasses make the image clear, showing the inner workings of the nest, like a network of gears and pipes, connecting different buckets labeled 401(k), Roth IRA, cash-value life insurance.