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The SECURE & CARES Acts: What to Plan for Ahead


Cost $10.00
Presentation Length 1.0 hour

Recorded DateMarch 14, 2022
CPE:Not available
(archived webinars do not offer CPE credits)
Subject AreaTaxes
Course LevelBasic
Course Description

The SECURE Act went into effect on January 1, 2020; the CARES Act was signed into law on March 27, 2020. Both received bipartisan support. It is critical to understand how the changes from these acts will impact your clients' retirements and estate plans going forward and the opportunities available. Any previous advice given is most likely outdated. You’ll need to be equipped with the right knowledge to have better control as you navigate clients through misconceptions or incorrect information. Those with IRA trusts will be significantly affected and need to plan as soon as possible before the unexpected happens.

Learning Objectives:

  • Recall the SECURE and CARES Acts

  • List the critical considerations of the SECURE Act, including

    • 401(k)s for part-time employees

    • IRA contributions for graduate students

    • Penalty-free withdrawals for student loan debt

    • Penalty-free withdrawals for birth or adoption

    • Annuities in 401(k) plans

    • IRA contribution age limits eliminated

    • Required minimum distributions (RMDs) increased to age 72

    • Elimination of the “Stretch” IRA

  • Identify payout options for beneficiaries before December 31, 2019, and after January 1, 2020

  • List the key considerations of the CARES Act, including:

    • RMDs waived for 2020

    • Unlimited deduction for charitable planning

    • Exceptions to 10% penalty up to $100,000

    • PPP and EIDL loans/advances

  • Determine the tax ramifications and how asset protection will be vital going forward

  • Determine planning opportunities to pass assets efficiently

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Carlos Dias Jr.

Dias Wealth
Founder and Managing Partner
(407) 801-2244


Carlos Dias Jr. is a financial adviser, public speaker, and president of Dias Wealth LLC in Orlando, Florida, offering strategic financial planning services to business owners, executives, retirees, and professional athletes.

Carlos is a nationally syndicated columnist for Kiplinger and has contributed, been featured, or quoted in over 100 publications, including Forbes, MarketWatch, Bloomberg, CNBC, The Wall Street Journal, U.S. News & World Report, USA Today, and several others. He's also been interviewed on various radio and television stations. Carlos is trilingual, fluent in both Portuguese and Spanish.

About Our Presenter

At Dias Wealth, our team works with clients from many backgrounds plan for a successful financial future. We provide real solutions that can help you make better financial decisions with a full range of investment management options, including tax, financial, charitable, asset protection, and estate planning services.