Retirement Audit.
Calibrate your compounding alpha based on the SECURE Act 2.0 and adjusted inflation targets.
The SECURE Act 2.0 & Your Long-Term Trajectory
Retirement planning in 2026 is no longer about "saving more." it's about "optimizing the friction" of tax and inflation. The SECURE Act 2.0 has fundamentally redesigned the contribution ceiling and the distribution floor.
Employer Match Optimization
Statistically, the employer match is the highest ROI investment available to any worker. If your employer matches 100% up to 6% of your salary, that represents an immediate 100% return before market growth is even calculated. Our auditor prioritizes the 'Match Floor' in its logic, ensuring you are first maximizing high-alpha guaranteed returns.
Tax-Deferred vs. Inflation Pressure
A $2M 401k balance sounds robust, but if inflation persists at a 3% target, the purchasing power of that money will be roughly 40% lower in 30 years. This 'Inflation Gap' is why we include a purchasing power metric—to force a reality check on your retirement lifestyle expectations.
RMD Strategy and SECURE 2.0
By moving the Required Minimum Distribution age to 73 (and eventually 75), the IRS has gifted investors several additional years of tax-free growth. However, this creates a 'Tax Cliff' later in life. Strategic Roth conversions during low-income years (e.g., between early retirement and age 73) can significantly reduce your lifetime tax liability—a concept known as 'Tax Bracket Management.'
Audit Checklist
- Max Match Captured
- Inflation Buffer Applied
- RMD Pivot Point Identified
- ESG/Fee Drag Minimized
Your current trajectory leads to a stable purchasing power baseline for 2026 standards.