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 § ...
Learn about qualified distributions from retirement accounts, IRS rules, tax implications, and how to maximize your tax ...
There are significant changes to Roth 401(k) account rules to be aware of this year. These changes, brought about by the SECURE 2.0 Act, are designed to enhance the benefits of Roth 401(k)s and ...
To balance the budget, SECURE 2.0 Section 603 added a requirement that catch-up contributions for certain “high earners” must be designated Roth, rather than pre-tax. For plans that already permit ...
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The 2026 rule change that forces workers earning over $145,000 into Roth catch-up contributions
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 ...
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