Turn SECURE 2.0 date rules, limits, and Roth changes into 2026 client advice
4 sections · 8 lessons
Apply the core 2026 SECURE 2.0 changes to a client fact pattern, then determine RMD start ages, first deadlines, and correction steps for missed distributions.
3 lessonsCompute 2026 employee deferrals and catch-up limits, then evaluate when catch-up contributions must be Roth for higher earners and what happens if a plan cannot support that rule.
2 lessonsExamine automatic enrollment duties, Roth options inside employer plans, and 529-to-Roth IRA rollover documentation so client recommendations match current plan rules.
2 lessonsEvaluate penalty-free withdrawal requests and translate 2026 Saver's Credit questions into 2027-plus Saver's Match guidance for clients.
1 lessonSECURE 2.0 has shifted retirement planning from static rules to date-driven client decisions, especially around RMDs, catch-up limits, Roth treatment, and plan design. This course builds practical judgment for tax and financial planning professionals who need to explain current 2026 limits, spot reporting problems, and give clear next-step advice. It focuses on real client situations, so the rules are tied to usable planning answers rather than theory.
The course covers RMD starting ages and first deadlines, missed RMD correction and excise tax, 2026 deferral and catch-up limits, Roth catch-up treatment for higher earners, automatic enrollment requirements, Roth in-plan options, 529-to-Roth IRA rollovers, penalty-free withdrawals, and Saver's Match messaging.
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Average pass rate · Freeman et al., PNAS 2014
What the science says
Students in lecture-only classes are 1.5× more likely to fail.
How Fenzo does it
Every Fenzo lesson is interactive. No passive reading or watching, ever.
You work through itAI does it for you
Skill retention over time · with vs. without practice
What the science says
Offloading thinking to AI erodes the very skills you’re trying to build.
How Fenzo does it
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Retrieval practiceRe-reading
Long-term recall · retrieval vs. re-reading
What the science says
Recalling information beats re-reading it for building durable understanding.
How Fenzo does it
Lessons weave in quizzes and recall prompts, so it sticks.