In 2026, 401(k) participants who are 50 or older and high earners will face new rules regarding catch-up contributions made to their employer’s 401(k) plan.

The IRS has announced significant 2026 adjustments to retirement savings rules, including higher standard deductions, ...

If you’re a high-earning, older worker, the rules for making “catch-up” contributions to a 401 (k) or similar job-based retirement plan have changed. Starting this year, employees age 50 and older ...

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).

Be sure you understand the tax consequences before making the change Cathy Pareto, MBA and CFP®, is the founder and president of Cathy Pareto & Associates Inc. For more than twenty years, Cathy has ...

One nice feature of 401(k)s is that they have generous contribution limits, including catch-up limits. In 2026, you'll be forced to make your catch-up Roth-style if your 2025 income is over $145,000.

Your savings rate is your biggest constraint when it comes to your retirement timeline. But retirement account rules also matter.

Deciding what to do with your 401(k) depends on your financial goals, investment preferences, and the features of your ...

Qualified distributions are allowed at age 59½, but an exception may allow you to make a penalty-free withdrawal ...

Sometimes, changes in laws, tax policies, and even economic instability can affect 401(k) retirement plans directly or indirectly. During President Trump's first term, his administration made changes ...

If you’re a high-earning, older worker, the rules for making “catch-up” contributions to a 401(k) or similar job-based retirement plan have changed. Starting this year, employees age 50 and older ...