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Retirement planning is entering a turning point. The rules governing IRAs, 401(k)s, and other retirement accounts are changing in meaningful ways starting in 2026, and many investors won’t realize the impact until it’s too late.

That’s why we created a free guide to walk you through the most important updates and deadlines.

The changes taking effect in 2026 aren’t random. They stem from two major forces:

• The SECURE 2.0 Act
• IRS inflation adjustments

Together, they reshape how much you can save, how contributions are taxed, and who is affected by new Roth requirements.

Failing to plan ahead could mean:

• Higher lifetime taxes
• Missed contribution opportunities
• Losing eligibility for certain catch-up contributions

Our free guide explains what’s changing, who it affects, and how to prepare now, all in one place

Starting in 2026, high earners who are eligible for catch-up contributions face a major rule change.

You may be impacted if you:

• Are age 50 or older
• Had prior-year FICA wages over $150,000
• Make catch-up contributions to a workplace retirement plan
   

What's Changing?

• Catch-up contributions must be Roth (after-tax) for affected individuals
•  The 2026 catch-up amount increases to $8,000, up from $7,500
   

Important:
If your employer plan does not allow Roth contributions, you could lose the ability to make catch-up contributions entirely. This is one of the most commonly overlooked risks—and it’s explained in detail in the free eBook, along with action steps to take before 2026.

 Income phase‑outs and deductibility rules continue to evolve.

The guide walks through:

• Roth IRA eligibility changes
• Traditional IRA deduction limitations
• Planning considerations for higher‑income retirees

Affluent retirees often have layered retirement structures.  Solo 401(k)s, SEP IRAs, deferred compensation, and taxable investments.

The guide highlights:

• 2026 limits for business‑owner plans
• Coordination with Roth and estate strategies
• Common oversights that create unnecessary taxes

For many savers, 2026 brings the ability to shelter significantly more income.

2026 Workplace Plan Contribution Limits:

• Under age 50: $24,500 
• Age 50+: $32,500 
• Ages 60–63 (Super Catch-Up): $35,750

These higher limits can help investors:

• Build more tax-advantaged wealth
•  Offset uncertainty around Social Security
•  Accelerate retirement timelines

The eBook includes a breakdown of how these limits compare to prior years and who benefits most from the increases.

Business owners and self-employed professionals see some of the biggest opportunities in 2026.

Highlights include:

• SIMPLE IRA / SIMPLE 401(k): $17,000 contribution limit
• SEP IRA: Up to $72,000 (with higher compensation caps)
• Solo 401(k): Total possible contributions up to $83,250 for ages 60–63

Used correctly, these plans can:

• Reduce taxable income
• Maximize deductions
• Build long-term wealth faster

The free eBook outlines how these plans differ and when each may be appropriate.

The 2026 changes create both opportunity and risk. Knowing the rules early gives you options, waiting can limit them.

Inside the guide:

• Roth catch-up rules explained clearly
• Updated contribution limits for all major plans
• IRA and Roth IRA income thresholds
• Small business retirement strategies
• Key deadlines to plan around now

Get the free eBook and make sure your retirement strategy is ready for 2026, before the rules change.