10/23/2026
There's a retirement-plan change in 2026 that some higher-paid employees and business owners should have on their radar.
๐๐๐ซ๐ญ๐๐ข๐ง ๐๐๐ญ๐๐ก-๐ฎ๐ฉ ๐๐จ๐ง๐ญ๐ซ๐ข๐๐ฎ๐ญ๐ข๐จ๐ง๐ฌ ๐ฆ๐๐ฒ ๐ง๐จ๐ฐ ๐ก๐๐ฏ๐ ๐ญ๐จ ๐๐ ๐ฆ๐๐๐ ๐๐ฌ ๐๐จ๐ญ๐ก ๐๐จ๐ง๐ญ๐ซ๐ข๐๐ฎ๐ญ๐ข๐จ๐ง๐ฌ.
For 2026, the rule generally applies to certain participants making catch-up contributions if their prior-year F**A wages from the employer sponsoring the plan exceeded $150,000.
Why does that matter?
Traditional pre-tax and Roth contributions receive different tax treatment.
So if you're 50+ and accustomed to making pre-tax catch-up contributions, don't assume 2026 will automatically work the same way.
This is a good time to:
โ Review your year-to-date contributions
โ Check whether the rule applies to you
โ Confirm your plan offers the necessary Roth feature
โ Review payroll elections
โ Talk with your plan administrator and tax professional
Year-end planning isn't just about finding deductions.
๐๐ญ'๐ฌ ๐๐ฅ๐ฌ๐จ ๐๐๐จ๐ฎ๐ญ ๐ฆ๐๐ค๐ข๐ง๐ ๐ฌ๐ฎ๐ซ๐ ๐ฒ๐จ๐ฎ ๐ฎ๐ง๐๐๐ซ๐ฌ๐ญ๐๐ง๐ ๐ญ๐ก๐ ๐ซ๐ฎ๐ฅ๐๐ฌ ๐๐๐๐จ๐ซ๐ ๐ ๐๐๐๐๐ฅ๐ข๐ง๐ ๐๐ซ๐ซ๐ข๐ฏ๐๐ฌ.