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Roth Catchup Rule Change

In this episode, Charlie Mattingly, CFP®, MBA, and Andrew Christopher, CFA®, MSF, break down the new Roth Catch-Up Rule Change and why it may have a bigger impact on airline pilots than many realize. What looks like a small IRS update has turned into a complex implementation across airlines and custodians like Fidelity and Schwab. Each plan handles the rule differently, which means pilots may need to take action inside their 401(k) to ensure catch-up contributions actually occur. Charlie and Andy explain what the Roth catch-up rule is, who it applies to, and why a “positive election” may now be required. They also cover how contribution limits work for pilots over 50, including the “super catch-up” for ages 60–63, and how this change can affect your Roth vs. pre-tax strategy. Their goal is simple: help you understand what’s changed, what to check in your plan, and how to avoid missing out on contributions you intended to make. Key Topics Covered -Overview of the Roth Catch-Up Rule Change -How airlines and custodians are implementing it differently -Positive election requirements and what that means for pilots -2026 contribution limits and super catch-up rules -Timing considerations for when catch-up contributions begin Actionable Takeaways: -Log into your 401 (k) and confirm whether a positive election is required for Roth catch-up contributions. -Review your contribution percentages to align them to your goals.. -If you’re approaching catch-up or super catch-up eligibility, make sure your contribution rate is high enough for those dollars to flow in. -Reach out to the Leading Edge team if you want help walking through the math or confirming your plan settings. The Roth Catch-Up Rule Change may feel complex, but understanding it now can help you stay in control of your retirement strategy. #LeadingEdgePlanning #PilotMoneyGuys #RothCatchUp #AirlinePilots #PilotFinance #401kPlanning #TaxPlanning #SmartMoneyMoves #RetirementReady #CFP #PilotFamily ____________ If you find our videos helpful please give us a "Thumbs Up" and be sure to SUBSCRIBE to our channel to be notified as more videos become available. Contact us at 865-240-2292, or visit our website to learn more about our financial planning services, https://leadingedgeplanning.com/ ____________ Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk and there can be no assurance that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly in this video will be profitable, equal any corresponding indicated historical performance level(s), or be suitable for your portfolio. Moreover, you should not assume that any information or any corresponding discussions serves as the receipt of, or as a substitute for, personalized investment advice from Leading Edge Financial Planning personnel. The opinions expressed are those of Leading Edge Financial Planning and guests, and are subject to change at any time due to the changes in market or economic conditions.