Dear Clients and Friends, Over the past few years, the retirement planning industry has gone through significant changes in terms of legislation (apologies in advance for all the acronyms!). The CARES Act was passed in 2020, followed by SECURE 2.0 in late 2022. And who could forget the behemoth OBBBA that was passed on the 4th of July last year? One of the major hallmarks of SECURE 2.0 has already kicked in and created some confusion for the masses, especially for folks aged