IRS has updated tax brackets and key contribution limits for 2026 - What retirees need to know скачать в хорошем качестве

IRS has updated tax brackets and key contribution limits for 2026 - What retirees need to know

The IRS just released the 2026 tax brackets and retirement contribution limits, and these changes could save you thousands 💰 If you're in your 50s or early 60s and getting serious about retirement planning, understanding these 2026 changes is critical. The standard 401(k) limit is increasing to $24,500, catch-up contributions jump to $8,000, and if you're between ages 60-63, you qualify for a super catch-up of $11,250. But here's the catch many high earners are missing: starting in 2026, if you make over $150,000 in FICA wages, your catch-up contributions MUST go into a Roth account. This creates both challenges and opportunities for tax diversification. In this comprehensive breakdown, I cover: • How the 2026 tax bracket adjustments could save you thousands • New 401(k) and IRA contribution limits and what they mean for your retirement • The mandatory Roth catch-up rule for high earners making over $150,000 • Roth IRA income phase-out limits for 2026 • The powerful super catch-up provision for ages 60-63 (an extra $13,000 over 4 years) • A complete strategy to maximize your pre-retirement savings in that critical decade before retirement • How to use Roth conversions strategically in early retirement For professionals in their peak earning years, the next 10 years before retirement are absolutely critical. The difference between maximizing these strategies and missing them could easily be $500,000 or more by the time you retire. _ _ 🔗 Schedule a call with our team → www.trellawealth.com/links Download our free Retirement Readiness Checklist → www.trellawealth.com/links _ _ The information contained in this video is for educational and informational purposes only and should not be construed as investment, legal, or tax advice. Past performance is not indicative of future results. All investments involve risk, including possible loss of principal. Viewers should consult with a qualified financial professional to determine what may be appropriate for their individual circumstances. Trella Wealth is a financial advisor serving professionals in their 50s and early 60s earning over $200,000 who are getting serious about retirement. #retirement #taxes #401k #rothira #financialplanning