2026 Retirement Shocker: New 401k Rules That Could Cost You Thousands скачать в хорошем качестве

2026 Retirement Shocker: New 401k Rules That Could Cost You Thousands

If you're a high-earning executive or professional making over $150,000, two massive 401k rule changes are about to hit you in 2025 and 2026. One opens up significant new savings opportunities, while the other forces you into paying thousands more in taxes—whether you like it or not. In this video, I break down the new "super catch-up" contribution for ages 60-63 and the mandatory Roth conversion rule that starts in 2026. Most importantly, I'll show you exactly how these two rules intersect and what you need to do right now to stay ahead. We cover: The new super catch-up contribution: who qualifies and how much you can save The mandatory Roth catch-up rule starting January 1, 2026 Why high earners will pay thousands more in taxes (and how to plan for it) The $150,000 FICA wage threshold and why it matters Three action steps you need to take before year-end Why your employer might not be ready (and what that means for you) Timestamps: (00:00) Introduction: Two Major 401k Changes (00:55) The Super Catch-Up Contribution (Secure Act 2.0) (02:22) The 2026 Roth Mandate Explained (03:32) Who This Affects: The Three Criteria (04:28) The $150,000 Cliff and Planning Strategies (05:20) Super Catch-Up Meets Mandatory Roth (06:20) Employer Implementation Challenges (06:55) Your Retirement Strategy Action Plan I'm Bjorn Amundson, a certified financial planner and partner at Quarry Hill Advisors. I've spent nearly 20 years helping corporate executives navigate complex financial planning decisions. Need personalized guidance? Click the link in the description to schedule a complimentary consultation at quarryhilladvisors.com #401k #RetirementPlanning #RothIRA #SecureAct #TaxPlanning #HighEarners #ExecutiveFinance #FinancialPlanning #2026TaxChanges