--- title: Cracking the Code description: Rapid legislative changes are transforming retirement planning. Learn how SECURE, SECURE 2.0, and OBBB impact advisors and clients. image: https://content.investmentsandwealth.org/hubfs/cracking-the-code-thb.png --- [Skip to content](https://content.investmentsandwealth.org/publication/cracking-the-code-iwr-sep-oct-25#main-content) [![Investments & Wealth Institute ](https://content.investmentsandwealth.org/hubfs/content-hub/iwi_logo_w294_h46.svg "Investments & Wealth Institute ")](https://investmentsandwealth.org/) Explore - [All Content](https://4812204.hs-sites.com/content-hub) - [Video](https://4812204.hs-sites.com/content-hub?type=Video) - [eBook](https://4812204.hs-sites.com/content-hub?type=eBook) - [Case Study](https://4812204.hs-sites.com/content-hub?type=Case+Study) - [Blog](https://4812204.hs-sites.com/content-hub?type=Blog) - [Podcasts](https://4812204.hs-sites.com/content-hub?type=podcast) - [Webinars](https://4812204.hs-sites.com/content-hub?type=webinar) - [Find An Advisor](https://www.investmenthelp.org/) - [Contact](https://investmentsandwealth.org/contact-us) - [My Dashboard](https://portal.investmentsandwealth.org/s/login/?startURL=%2Fs%2Fhome-page) - Certifications - [CIMA](https://investmentsandwealth.org/certifications/cima-certification) - [CPWA](https://investmentsandwealth.org/certifications/cpwa-certification) - [RMA](https://investmentsandwealth.org/certifications/rma-certification) - [Help Me Choose](https://investmentsandwealth.org/certifications/compare-iwi-certifications) - [Online Education](https://investmentsandwealth.org/online-learning-financial-advisor-ce) - [Conferences & Events](https://investmentsandwealth.org/financial-advisor-conferences-events) - [Experience 2026](https://experience.investmentsandwealth.org) - [Membership](https://investmentsandwealth.org/membership) - [Publications & Resources](https://content.investmentsandwealth.org/) - [Partner Solutions](https://investmentsandwealth.org/partner-and-sponsor) - [About](https://investmentsandwealth.org/about/mission-purpose-value) Investments & Wealth Review # Cracking the Code A Wealth Advisor's Guide to the Secure Act, Secure 2.0, and OBBB Act By Lance Lehman CFP®, CIMA®, CPWA®  Wealth Management's iterative and always-evolving approach demands a high comfort level with change. In addition to adapting to clients’ changing needs and preferences, as well as market fluctuations and expanding investment options, wealth advisors have the obligation to stay well-versed in the effects of changing regulations and legislation. The passage of the original Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019, followed by its encore, the SECURE 2.0 Act of 2022, and the One Big Beautiful Bill (OBBB) Act in early 2025, has altered the landscape for retirement planning radically. Perhaps more importantly, not since the 1980s have we seen a series of legislative changes come through so rapidly, significantly affecting retirees and those planning for retirement. Their combined effects have put professionals in the position of advising on increasingly complex rules regarding retirement account contributions, distributions, taxation, the definition of a beneficiary, and notably the conditions and timeline under which a beneficiary can inherit retirement assets.  ## Access the Full Article Fill out the form below for immediate access ## About Investments & Wealth Review *Investments & Wealth Review* is a bimonthly magazine, written by award-winning authors from academic institutions and leading financial firms. Immerse yourself in current industry news and thought-provoking articles on the investment, legal, regulatory, business development, retirement, and wealth management topics that matter most to you and your clients. [![white_logo_horizontal 1](https://content.investmentsandwealth.org/hubfs/Assets%20-%20LP/white_logo_horizontal%201.png)](https://content.investmentsandwealth.org/) #### Get Certified - [Compare Certifications](https://investmentsandwealth.org/certifications/compare-iwi-certifications) - [CIMA Certification](https://investmentsandwealth.org/certifications/cima-certification) - [CPWA Certification](https://investmentsandwealth.org/certifications/cpwa-certification) - [RMA Certification](https://investmentsandwealth.org/certifications/rma-certification) #### About us - [About Us](https://investmentsandwealth.org/about) - [Board of Directors](https://investmentsandwealth.org/about/governance) - [Leadership Team](https://investmentsandwealth.org/about/leadership-team) - [Newsroom](https://investmentsandwealth.org/advisor-publications/newsroom) - [Careers](https://investmentsandwealth.org/institute-careers) - [Privacy Policy](https://investmentsandwealth.org/privacy-policy) #### Support - [Contact Us](https://investmentsandwealth.org/contact-us) - [File a Complaint](https://investmentsandwealth.org/about/governance/report-or-file-a-complaint) © Copyright 2026 by Investments & Wealth Institute ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "By Lance Lehman CFP®, CIMA®, CPWA®", "url" : "https://content.investmentsandwealth.org/publication/author/by-lance-lehman-cfp-cima-cpwa" }, "dateModified" : "2026-03-09T16:48:54.748Z", "datePublished" : "2026-02-27T14:52:10.000Z", "headline" : "Cracking the Code", "image" : [ "https://content.investmentsandwealth.org/hubfs/cracking-the-code-thb.png" ], "mainEntityOfPage" : { "@id" : "https://content.investmentsandwealth.org/publication/cracking-the-code-iwr-sep-oct-25", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://content.investmentsandwealth.org/hubfs/IWI%20Logos/IWI%20Logo%20Horizontal/180227_4C_LOGO_Horizontal.png" }, "name" : "Investments & Wealth Institute" } } ```