The retirement landscape is changing

How the SECURE 2.0 Act and state mandates could impact your plan and your employees’ retirement

What is the SECURE 2.0 Act?

The SECURE 2.0 Act (“SECURE 2.0”) is new federal legislation that changes the way American workers can save for retirement while empowering employers to attract and retain talent.

What you need to know

SECURE 2.0 helps make saving for retirement easier for employers and plan participants.

It helps make it easier for employers to offer retirement plans

It could encourage employee participation in retirement plans

It helps employers offer more robust retirement options better tailored to their employees’ financial goals

We’re here to provide clarity on how SECURE 2.0 may impact you and your employees moving forward.

State mandates for retirement plans

State retirement mandates are popping up across the country. Your business may soon be required to offer an employee retirement savings option if it does not already. Typically, your business has two ways to comply with these types of laws:

Enroll your employees into a state-sponsored retirement program

Sponsor a plan of your own through the private market

Learn how we can help

State mandate status across the US

This map indicates where retirement plan state mandates are active, pending, introduced or not under consideration.

This map indicates where retirement plan state mandates are active, pending, introduced or not under consideration.

Insights to stay informed


Read summary

Consolidated Appropriations Act of 2023

See the 2022 year-end spending bill, which includes SECURE 2.0

UBS hosted webcast on SECURE 2.0

Watch the replay

Why work with us?

We help organizations of all sizes create a stronger retirement plan, from start-ups to Fortune 500 companies, across all business areas and industries.

  • We help you manage plan fiduciary responsibilities and prepare your employees for retirement.
  • We offer a variety of services to retirement plans that range from custom consulting services to fiduciary discretionary and nondiscretionary advisory programs.

Depending on your organization’s specific needs, we have a solution for you.

Tailored solutions

Tailored solutions

Our Retirement Plan Consulting Services approach follows a prudent investment decision-making process with UBS acting as an ERISA fiduciary. In addition, we help plan sponsors manage plan complexity in the following areas:

  • Fiduciary governance
  • Plan health optimization
  • Participant retirement readiness

Our Retirement Plan Guided Solutions offer two investment advisory services that help you make key decisions that affect plan participants and reduce your fiduciary burden:

  • UBS Retirement Plan Manager—Discretionary investment management with UBS acting as an investment manager under ERISA Section 3(38)
  • UBS Retirement Plan Advisor—Nondiscretionary investment advice with UBS acting as a nondiscretionary investment fiduciary under ERISA Section 3(21)

Personalized service

Personalized service

As your dedicated team, we get to know you and your retirement plan needs. We’ll serve as your single point of contact, coordinating the services you need and saving you valuable time.

Plus, you have access to the vast resources of one of the world’s leading wealth managers.

Participant engagement and retirement readiness

Participant engagement and retirement readiness

We have the resources and experience as a global wealth management firm to help you deliver participant education through a personal, human touch and a digital experience.

Why UBS?

3000+ retirement plans, from small businesses to Fortune 500 companies

$85 billion in retirement plan consulting assets

30+ years of providing investment advice as a fiduciary

Connect with us to learn how we can help your plan