In 2026, retirement plans will see key changes driven by the SECURE 2.0 Act and inflation adjustments. High earners (age 50+, earning over $150,000) must make catch-up contributions as Roth or after-tax, losing pre-tax deduction options. Contribution limits for 401(k)s, IRAs, and HSAs increase, offering greater tax-advantaged savings. Deadlines for 2025 contributions and IRA conversions are December 31, 2025. Required minimum distributions must be taken on time to avoid penalties.
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