SECURE Act 2.0: Retirement Savings Lost and Found Database

This is our final vlog about the changes to retirement plans under the SECURE Act 2.0 which became law in December 2022. You can find all of the other vlogs about other changes on our website.

Today, we will discuss about the provision that directs the U.S. Department of Labor (DOL) to create a national online searchable lost and found database that plan participants, who have lost track of their retirement benefits, to locate their retirement accounts from former employers.

This provision will require those retirement plan administrators to report certain information about terminated participants to DOL for a new Retirement Savings Lost and Found database. This database will also include the contact information for plan administrators which will assist anyone to locate their retirement account. It will also track changes to the plan administrator due to plan mergers, divisions, bankruptcy, consolidation, termination, and changes to the plan name.

DOL is supposed to establish this database by December 29, 2024, to allow terminated participants to search and locate their lost retirement benefits.

Ultimately, this would help anyone to ensure they don’t lose their retirement benefits throughout their career. Hopefully, this will address the ongoing issue of leaving retirement accounts behind which I elaborated on in a previous vlog, “The Forgotten 401(k) Problem”. If you are curious, check it out. Hope this will help people to locate and keep up with their retirement benefits from their past and future.


Adrianna Environmental B&W

Adrianna Rocha

Client Relations Representative

240-379-6929 V
240-439-6889 VP
512-379-6909 FAX

Adrianna Rocha joined Kramer Wealth Managers in 2021.

Adrianna is responsible for client experiences and service. As part of the customer service team, she strives to help and provide top-notch service to our clients. As part of her role, she communicates with clients through videophone, schedules client meetings, prepares and processes forms, and gathers information for our advisors.

Adrianna Rocha graduated with a Bachelor of Arts in Communication Studies from Gallaudet University in 2017. Before she joined our team, she worked in the customer service industry for nearly a decade. She excels in human-to-human relations and takes pride in not only her own accomplishments, but her clients’ as well. Adrianna enjoys chatting about her slight obsession with dogs, houseplants, essential oils, and food: especially Mexican food! She is also a proud fur-mama to her beautiful Aussie-mixed pup, Ziva.

Adrianna is not registered with Osaic Wealth.