Secure the Future – Marc Fowler, QKS Breaks Down Secure Act 2.0
Navigating Secure Act 2.0 with Marc Fowler
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Show Notes
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 -
https://www.cnn.com/2025/05/10/politics/federal-employee-pension-benefits-republicans
Walt's News 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.
Marc Fowler's Insight:
“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.”