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New Government Regulations Will Impact 401Ks and Employees · The Millionaire Dentist™

• 0:03
  Speaker 1: Hello, everyone, Welcome to the Millionaire Dentist Podcast, brought to
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  Speaker 1: you by four Quadn's Advisory. On this podcast, we break
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  Speaker 1: down the world of dentistry, finances and business practices to
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  Speaker 1: help you become the millionaire dentists you deserve to be.
• 0:17
  Speaker 1: Please be advised we do speak with an honest tongue
• 0:19
  Speaker 1: and may not be safe for work.
• 0:24
  Speaker 2: Hello and welcome. This is Casey Hires back at the
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  Speaker 2: Millionaire Dentist Podcast in studio with co host Jared Bridgeman.
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  Speaker 3: Casey, how are you today?
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  Speaker 2: I'm good. I'm not as well dressed as you. You're
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  Speaker 2: in a full damn sue. What's going on?
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  Speaker 3: I woke up today and just felt being nifty. You know,
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  Speaker 3: I wanted to really beautify myself.
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  Speaker 2: In junior high we had dress for Success DA's so
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  Speaker 2: this was your dress for success as it was.
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  Speaker 3: I felt like little Richard getting ready. Now, No, it's
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  Speaker 3: more beautiful than me.
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  Speaker 2: Absolutely, look more like a Southern Baptist preacher. But we
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  Speaker 2: won't get into that.
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  Speaker 3: Yeah, kind of the same thing.
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  Speaker 2: Well, Jared, Today we have a guest pursue which on
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  Speaker 2: our podcast it is first time.
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  Speaker 4: Ever, really, yes, first time ever.
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  Speaker 2: We will Chrisman is with us today. He's part of
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  Speaker 2: the four Quadrant Advisory Team, a credited Wealth Management Advisor. Yes, sir,
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  Speaker 2: and you are a CFP, which is a Certified Financial
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  Speaker 2: Planner candidate, which means you've been studying your asshole for
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  Speaker 2: a year. Yes, sir, and you're about to pass it.
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  Speaker 2: And just add more letters after your name. Gotta love
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  Speaker 2: the extra letters. Will, welcome to the podcast. Thanks so much,
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  Speaker 2: thanks for having me on today, Jared, What the hell
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  Speaker 2: do you want to talk about?
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  Speaker 3: So? Will reached out to me and was like, I've
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  Speaker 3: got a danger of a topic here, and it was
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  Speaker 3: about it's about the Secure Act two point oh and
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  Speaker 3: from what I understand that it's something that would be
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  Speaker 3: coming into effect early as January. First, Well, can you
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  Speaker 3: kind of walk us through just a brief So?
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  Speaker 2: Is it twice as good as the Secure Act?
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  Speaker 1: Oh?
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  Speaker 4: Yeah, definitely. So basically, yeah.
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  Speaker 3: Go ahead and just give us a little rough overview
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  Speaker 3: of this.
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  Speaker 4: Yeah. Absolutely, So this Cure Act two point zero from
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  Speaker 4: the Biden administration, and it's basically just different ways for
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  Speaker 4: employers and employees to put more into retirement accounts. And
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  Speaker 4: there's some different rules in there that are pretty interesting.
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  Speaker 4: Some of the rules have already taken effect, but we
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  Speaker 4: also have rules coming up in twenty twenty five and
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  Speaker 4: twenty twenty six that are are set to be implemented.
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  Speaker 2: So for our listener that might be a thirty six
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  Speaker 2: year old practice owner, they'll listen to this and go great,
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  Speaker 2: I can get out ahead of this. I can save
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  Speaker 2: more money and retire my fifties. For the older people
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  Speaker 2: listening to this podcast who need to hurry up and
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  Speaker 2: catch up with retirement, you'll be able to touch on
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  Speaker 2: some strategy around that as well. Yeah, absolutely, absolutely so
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  Speaker 2: with this whole thing.
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  Speaker 3: Like the initial ideas, it's referred to as the deferrals
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  Speaker 3: correct out of your income, out of your paychecks.
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  Speaker 4: Correct.
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  Speaker 3: So what do the limits look like? The MAXI limits
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  Speaker 3: for one K look like for starting next year.
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  Speaker 4: Yeah, absolutely so, starting in twenty twenty five, if you're
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  Speaker 4: under fifty years old, you'd be able to put in
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  Speaker 4: twenty three thousand, five hundred dollars into your four O
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  Speaker 4: one K defer it. If you're under sixty but over fifty,
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  Speaker 4: you have a special ketchup contribution of seventy five hundred dollars.
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  Speaker 4: On top of that, twenty three five hundred. Say the
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  Speaker 4: age again, so if you're under sixty but over fifty,
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  Speaker 4: so that would make your total deferral up to thirty
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  Speaker 4: one thousand dollars. Now, the really exciting thing coming up
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  Speaker 4: in twenty twenty five specifically, is what they're calling a
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  Speaker 4: super Ketchup provision. So if you're over sixty years old,
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  Speaker 4: and you can go up to sixty three years old,
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  Speaker 4: so from sixty to sixty three, you'd be able to
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  Speaker 4: do the super Ketchup, which would be eleven two hundred
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  Speaker 4: and fifty dollars. Additionally into the four to one K,
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  Speaker 4: so that would be your maximum deferral. If you are
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  Speaker 4: forty two thousand, right, it would be thirty four thouifty.
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  Speaker 3: That's why I'm not outside of the team.
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  Speaker 2: You don't have all those letters after your name is Jared.
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  Speaker 3: I have zero letters.
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  Speaker 4: So say that again.
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  Speaker 2: So you've got the under fifty, you've got the catch up,
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  Speaker 2: and then the super catchup, which is new. Yes, when
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  Speaker 2: you first said that, I thought you were joking. Super Ketchup.
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  Speaker 2: If you're sixty, sixty one, sixty two, or sixty three,
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  Speaker 2: you can save how much in total?
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  Speaker 4: So you'd be able to save thirty four thou seven
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  Speaker 4: and fifty dollars and defer that into your four to
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  Speaker 4: one K, so something that's brand new. They announced this
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  Speaker 4: actually on November first, so just like last Friday. Yeah,
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  Speaker 4: this is pretty much hot off the press. The IRS
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  Speaker 4: just announced this. So what you might need to do,
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  Speaker 4: and I'm not sure the exact situation of our listeners,
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  Speaker 4: but you might need to amend your four one K
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  Speaker 4: plan to amend to allow the super Ketchup provision. So
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  Speaker 4: that's something to keep in mind, because all of our
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  Speaker 4: situations differ a little bit, So just keep that mind.
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  Speaker 3: Again, this will be people you know in that age
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  Speaker 3: bracket of sixty to sixty three? Correct? Does this mean
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  Speaker 3: you would be turning sixty in twenty twenty five kind
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  Speaker 3: of the idea of is that what?
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  Speaker 4: That's correct? Correct? So if you another good thing, I'm
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  Speaker 4: glad you brought that up, Jared. So if you are
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  Speaker 4: sixty four years old, unfortunately did miss out on the
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  Speaker 4: super Ketchup provision for four oh one ks, so you
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  Speaker 4: still get the ketchup of seventy five hundred as your
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  Speaker 4: elective deferral, which would make you know thirty one thousand
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  Speaker 4: being the maximum amount you can defer into the four
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  Speaker 4: oh one K, but you wouldn't get that. You know,
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  Speaker 4: additional about three thousand fifty dollars that the super ketchup allows.
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  Speaker 2: Will how can you differentiate your employer plan to other plants.
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  Speaker 4: Yeah, So something that's really interesting that the Secure Act
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  Speaker 4: two point zero put out and I believe they've ruled
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  Speaker 4: this out in twenty twenty four. So, say you have
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  Speaker 4: a hygienist that's pretty much right out of college and
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  Speaker 4: they're paying on a student loan, and that's been a
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  Speaker 4: massive issue in the United States over the past few years.
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  Speaker 4: What you can do now, if a student makes say
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  Speaker 4: a two thousand dollars payment through the entire year of
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  Speaker 4: twenty twenty four to twenty twenty five moving forward, you
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  Speaker 4: can match that two thousand dollars that they paid of
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  Speaker 4: their student loan now into the four to one K.
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  Speaker 4: So that provides a massive benefit for employees with student debt.
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  Speaker 4: And that doesn't the cool part about it. It doesn't
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  Speaker 4: just apply to somebody coming right out of college. You
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  Speaker 4: could have a forty year old employee that's paying on
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  Speaker 4: a student loan and maybe they're unable to put in
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  Speaker 4: funds to the four to one k, but you can
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  Speaker 4: match them on what they're paying into their student loan, and.
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  Speaker 3: So this would be completely different than the potential match.
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  Speaker 3: You know, let's say you get your company provide a
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  Speaker 3: five percent match already, so this would be another match.
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  Speaker 4: So this actually would combine with the current match. So
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  Speaker 4: if it was five percent, and say, just for the
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  Speaker 4: sake of keeping my plane brain a little clearer on
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  Speaker 4: this subject, say the match limit went up to like
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  Speaker 4: five thousand dollars of your five percent, if you paid
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  Speaker 4: five thousand dollars of qualified student loans, you couldn't then
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  Speaker 4: match another five thousand. And it's important to note if
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  Speaker 4: you have this ability for one of your employees, it's
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  Speaker 4: available for all of your employees as well.
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  Speaker 3: So well, you know, normally we have you know, every year,
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  Speaker 3: I could we have a Taxi year wrap up with
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  Speaker 3: our our good friend Steve Levy. And so these numbers
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  Speaker 3: kind of increase a little bit each year, and it
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  Speaker 3: sounds like this is kind of a bigger jump than
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  Speaker 3: years past.
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  Speaker 4: So it's about in line with what a typical jump is.
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  Speaker 4: Sometimes there might be a freeze of the limits increasing,
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  Speaker 4: but this is pretty well in line what we've seen
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  Speaker 4: the past couple of years.
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  Speaker 3: This will just kind of add some newer things to.
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  Speaker 4: It, exactly exactly, and some of these were already pre
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  Speaker 4: planned when the Secure Act came out. Is just starting,
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  Speaker 4: you know, in twenty twenty five, two years, whatever year
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  Speaker 4: they're rolling it out.
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  Speaker 3: Are people able to be like automatically enrolled into these things?
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  Speaker 3: Are an automatic enrollment?
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  Speaker 4: Yeah? Absolutely, So something that's a little bit different starting
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  Speaker 4: in twenty twenty five is what they're calling an automatic
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  Speaker 4: enrollment into four one K plans. So this is different
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  Speaker 4: than what we've seen in the past. So if I
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  Speaker 4: was starting employment, let's say at four quadrants and we
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  Speaker 4: have our four to one K at work, I would
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  Speaker 4: be automatically enrolled into the four to one K when
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  Speaker 4: I was eligible. So what that means is if the
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  Speaker 4: match is at three percent at work, I am pre
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  Speaker 4: enrolled at three percent.
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  Speaker 3: Okay, So normally the case has normally been you have
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  Speaker 3: to you opt in when it becomes available to you. Now,
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  Speaker 3: let's say you got automatically enrolled and maybe you know
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  Speaker 3: your hygienis or somebody may not have the funds needed
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  Speaker 3: at that time. Can you opt out of the four
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  Speaker 3: one K? Yeah?
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  Speaker 4: Absolutely, So what that rule means is the employee has
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  Speaker 4: to explicitly opt out of the plan in order to
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  Speaker 4: not contribute to that plan. And it's important to note
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  Speaker 4: to Jared that this is plans that started after December
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  Speaker 4: twenty twenty two, and also new companies in business for
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  Speaker 4: less than three years and employers with less than ten
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  Speaker 4: employees are excluded from the automatic the smaller Yeah, exactly, exactly.
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  Speaker 3: What was the thinking behind the automatic enrollment? Is it
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  Speaker 3: more of just to get people in the saving and
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  Speaker 3: you know, get with retirement earlier. Yeah.
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  Speaker 4: From a few studies that I've seen with automatic enrollment,
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  Speaker 4: most people don't want to take the time to opt out,
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  Speaker 4: and with a system that people are worried about not
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  Speaker 4: having enough funds for retirement, the federal government basically is
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  Speaker 4: making rules to make you explicitly opt out of benefits
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  Speaker 4: instead of having to opt into those.
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  Speaker 3: Well, you had mentioned that, you know, this is kind
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  Speaker 3: of like Fase two or face everybody ever, don't call
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  Speaker 3: it coming in twenty twenty five. Is there anything worth
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  Speaker 3: of note in the next round, like maybe twenty twenty six.
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  Speaker 3: That's maybe something that's pointed now that he's really be
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  Speaker 3: pointed out. Yeah, great, question, so thank you. Starting in
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  Speaker 3: twenty twenty six, so we mentioned those catchup contributions and
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  Speaker 3: the super catchup contribution in twenty twenty six, if a
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  Speaker 3: participant is earning over one hundred and forty five thousand
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  Speaker 3: dollars in a year, those catchup contributions. So the let's
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  Speaker 3: say fifty eight year old is doing the catchup contribution
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  Speaker 3: amount of seventy five hundred a year, that seventy five
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  Speaker 3: hundred would have to be classified as WROTH, so it
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  Speaker 3: would be tax going into that. So when they reach retirement,
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  Speaker 3: those funds would then be non taxable. Well, let's talk
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  Speaker 3: required minimum minimum distributions.
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  Speaker 2: Get into that a little bit. What are they when
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  Speaker 2: they do?
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  Speaker 4: Yeah, absolutely so with required minimum distributions for people in retirement,
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  Speaker 4: it's basically what the government is telling you from a
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  Speaker 4: traditional standpoint. So if you have a traditional IRA, they're
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  Speaker 4: basically telling you that money hasn't been taxed. We want
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  Speaker 4: our tax dollars, so you have to take it out
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  Speaker 4: this amount by the end of the year. So traditionally,
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  Speaker 4: the RMD age was at seventy and a half for
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  Speaker 4: quite a few years. So if you were born in
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  Speaker 4: before nineteen fifty, your RMD age was seventy and a
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  Speaker 4: half years old. That then bumped up to seventy two.
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  Speaker 4: And now with what Secure Act two point zo was saying,
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  Speaker 4: if you were born between nineteen fifty one to nineteen
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  Speaker 4: fifty nine, your rmds are due at the age of
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  Speaker 4: seventy three. That's when those start turning on. And then
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  Speaker 4: if you were born after nineteen sixty, those rm ds
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  Speaker 4: start at age seventy five. So the theory behind that
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  Speaker 4: was people were getting were being able to live a
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  Speaker 4: little bit longer, so they wanted to bump those age
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  Speaker 4: limits up to ensure that people weren't living past what
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  Speaker 4: they had saved. But also on the RMD front, what
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  Speaker 4: Secure Act two point zero has allowed is roth Floral
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  Speaker 4: one k's used to have a required minimum distribution period
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  Speaker 4: like a traditional IRA would. With Secure Act two point zero,
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  Speaker 4: roth Flora one ks no longer have that RMD anymore.
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  Speaker 4: So those can stay there, uh, you know, in that
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  Speaker 4: account as long as the account. Yeah, exactly, as long
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  Speaker 4: as you're a life That's a great, Okay, that's interesting.
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  Speaker 4: I wanted to ask you about FIE. Has there been
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  Speaker 4: any any changes with that with like any leftover funds
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  Speaker 4: or anything like that.
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  Speaker 3: Yeah.
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  Speaker 4: Absolutely, So that's a big topic of discussion for pre
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  Speaker 4: planners that were really good about saving for their child's
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  Speaker 4: education and then there's money leftover because you were so
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  Speaker 4: good at saving for your your son or daughters, it's
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  Speaker 4: college education that they have left over, and they don't
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  Speaker 4: want to pursue a master's program. What you can do
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  Speaker 4: with the five twenty nine now through Secure Act two
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  Speaker 4: point zero, is you can now roll over an aggregate
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  Speaker 4: lifetime limit of thirty five thousand dollars from that five
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  Speaker 4: to twenty nine plan to a roth IRA plan in
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  Speaker 4: that child's name, in that child's name for the benefit
• 13:43
  Speaker 4: of the five twenty nine beneficiary. So this is limited
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  Speaker 4: to the same limits as a normal roth IRA for
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  Speaker 4: a year, which is set at seven thousand for the
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  Speaker 4: contribution limit. So with a roth IRA, if you're going
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  Speaker 4: to roll over funds from the five to twenty nine
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  Speaker 4: plan that you have, if your child is contributing to
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  Speaker 4: a roth IRA at that point or a traditional IRA,
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  Speaker 4: it's all the same limit. So let's say my parents
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  Speaker 4: saved up in a five twenty nine and I had
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  Speaker 4: forty thousand dollars left in that IRA or sorry, that
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  Speaker 4: five twenty nine, I contribute two thousand to my roth
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  Speaker 4: IRA that year, my parents would only be able to
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  Speaker 4: roll over five thousand dollars from my five twenty nine
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  Speaker 4: plan to the roth IRA.
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  Speaker 3: Okay for the year.
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  Speaker 4: So it's an aggregate limit.
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  Speaker 3: Now, can we do it? Can that be done every
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  Speaker 3: single year after that until that fun dries up?
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  Speaker 4: Basically yep, absolutely, So you can do that as many
• 14:42
  Speaker 4: years as you want until you hit the aggregate limit
• 14:45
  Speaker 4: of thirty five thousand dollars to the roth Ira. Then
• 14:48
  Speaker 4: with all five twenty nines as usual, try to roll
• 14:52
  Speaker 4: those over to a family member. It's tax free. Let
• 14:55
  Speaker 4: somebody you know use those funds for education that you
• 14:58
  Speaker 4: care about.
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  Speaker 3: Okay, you know this. These are some of the heavy
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  Speaker 3: hitters here. You've explained to us. Is there anything else
• 15:04
  Speaker 3: that's really that really stood out to you from this
• 15:06
  Speaker 3: act that you feel like our listeners really need to know?
• 15:09
  Speaker 2: Save more money?
• 15:11
  Speaker 3: Yes, and use these use these things as to the
• 15:14
  Speaker 3: best of your abilities. Work with your work with your
• 15:17
  Speaker 3: team to make sure you're saving enough money. Is that
• 15:20
  Speaker 3: what you're going to say? Well, some along those lines.
• 15:22
  Speaker 4: Absolutely. I mean, I think what we've seen with Secure
• 15:25
  Speaker 4: Act two point zero is the federal government looking for
• 15:29
  Speaker 4: ways to help people save more money for retirement. As
• 15:34
  Speaker 4: Social Security has become a little bit more strained, and
• 15:36
  Speaker 4: we've seen it more in the news. Government basically wants
• 15:39
  Speaker 4: to ensure that people are doing what they can to
• 15:41
  Speaker 4: save for retirement. So they're making rules a little bit
• 15:45
  Speaker 4: easier for individuals to save. And with the automatic enrollment,
• 15:50
  Speaker 4: they're actually, you know, making you opt out of retirement
• 15:53
  Speaker 4: benefits that are available to you. So keep that in mind.
• 15:57
  Speaker 4: It's really important to work with your advisor, work with
• 16:00
  Speaker 4: with your accounting team in order to make sure you're
• 16:03
  Speaker 4: taking advantage of these benefits because they are available and
• 16:07
  Speaker 4: there are a lot of things that are going to
• 16:10
  Speaker 4: be changing in the next several years. There are different
• 16:13
  Speaker 4: rollouts that I want to make sure people are aware
• 16:16
  Speaker 4: of and are able to take advantage of.
• 16:18
  Speaker 2: I don't play them, but if there was a drinking
• 16:22
  Speaker 2: game on how many times will said Secure Act two
• 16:26
  Speaker 2: point zero, we would have some intoxicated listeners. But I
• 16:30
  Speaker 2: appreciate how disciplined you were getting into this and explaining
• 16:33
  Speaker 2: it because there's opportunity here, right, I mean, for a
• 16:37
  Speaker 2: quadrant advisor, we're all about maximize your savings, reduce your
• 16:40
  Speaker 2: tax liability. There's so many different vehicles to do it,
• 16:43
  Speaker 2: but it changes every twelve months, and if you're not
• 16:46
  Speaker 2: up on it, there's a lot right And this.
• 16:49
  Speaker 3: All sounded like gobblygoog to you, this is when you
• 16:52
  Speaker 3: need to reach out to you.
• 16:53
  Speaker 2: Well, I actually said if somebody is taking feverish notes,
• 16:56
  Speaker 2: I respect that as a listener. To try to implement
• 16:58
  Speaker 2: some of these things can be challenging, but hopefully your
• 17:01
  Speaker 2: your team, with some prodding, can take care of this
• 17:05
  Speaker 2: for you.
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  Speaker 4: Yeah, it's really important every single year to really look
• 17:10
  Speaker 4: at the I R. S Code and what the federal
• 17:12
  Speaker 4: government is trying to change with regards to limits, with
• 17:17
  Speaker 4: regards to you know, where funds can go and when,
• 17:21
  Speaker 4: because there's all sorts of small finite rules in here
• 17:25
  Speaker 4: that if you don't have a team that is looking
• 17:28
  Speaker 4: through these items, that they can miss and you can
• 17:31
  Speaker 4: miss out on some benefits that could have potentially been
• 17:34
  Speaker 4: available for you.
• 17:35
  Speaker 3: Well, thank you so much for being on here today.
• 17:37
  Speaker 3: We really appreciate it. And you know, once this get
• 17:40
  Speaker 3: gets out there, we get some feedback, they say we
• 17:42
  Speaker 3: want more. Will give us the will then then well
• 17:45
  Speaker 3: maybe we'll bring you back on Casey. Thank you so
• 17:47
  Speaker 3: much for being on here as well and helping me
• 17:50
  Speaker 3: guide this conversation. Folks, if you're wanting to, you know,
• 17:54
  Speaker 3: come see Casey, he or whatever other wonderful speakers speak
• 17:57
  Speaker 3: on the business side of dentistry. We are going to
• 17:59
  Speaker 3: be in the Philadelphia area as well as Austin and
• 18:02
  Speaker 3: Dallas this year, and then we just got done kind
• 18:06
  Speaker 3: of planning our twenty twenty five slate of events, and
• 18:09
  Speaker 3: so I'll be putting out a little press release about
• 18:10
  Speaker 3: that sin So keep an eye out and we'll see
• 18:13
  Speaker 3: you folks later.
• 18:15
  Speaker 1: Hello everyone, welcome to the Millionaire Dentist Podcast, brought to
• 18:19
  Speaker 1: you by four Quadnance Advisory. On this podcast, we break
• 18:22
  Speaker 1: down the world of dentistry, finances and business practices to
• 18:26
  Speaker 1: help you become the millionaire dentists you deserve to be.
• 18:28
  Speaker 1: Please be advised we do speak with an honest tongue
• 18:31
  Speaker 1: and may not be safe for work.