Higher-income earners must make 401(k) catch-up contributions with after-tax dollars and place them in a Roth account.

The Fed lowers interest rates, sending value and small-cap stocks soaring. Request your required minimum distributions at least a few days before Dec. 31, including if you inherited a retirement ...

New IRS rule pushes high earners into Roth catch-ups.

Starting January 1, 2026, workers earning over $150,000 in 2025 W‑2 wages must make all 401(k) catch-up contributions as Roth, eliminating the option for pre-tax treatment. The change, part of SECURE ...

In January 2026, the new Roth catch-up rules take effect. The mandate prevents workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).

On September 16, 2025, the Internal Revenue Service released final rules implementing SECURE 2.0 changes to catch-up contributions under certain retirement plans, including 401(k) and 403(b) plans.

Starting January 1, 2026, workers who earned more than $145,000 in the prior year can no longer make pre-tax catch-up contributions to their 401(k). Under Section 603 of SECURE 2.0, codified at IRC § ...

Increasing the starting age for Required Minimum Distributions (RMDs). Requiring Roth catch-up contributions for high earners. [2] Making Long-Term Part-Time (LTPT) employees eligible to participate ...

Many high-income taxpayers are already fully taking advantage of a company-sponsored 401(k) plan by maximizing their annual pre-tax contributions. For taxpayers over age 50, that includes taking ...

Starting January 1, 2026, professionals earning over $145,000 must make catch-up contributions to Roth accounts, creating unexpected tax implications. Professionals who have been making pre-tax ...

Starting January 1, 2026, workers earning over $150,000 in 2025 W-2 wages must make 401(k) catch-up contributions as designated Roth, which do not reduce current-year taxable income, marking the ...