Summary Starting in 2026, higher earners age 50 and older must make 401(k) catch-up contributions as Roth contributions if prior-year FICA wages exceed $150,000. This rule impacts take-home pay, tax planning, and retirement strategy – making it critical to plan ahead. What Changed in 2026 with...
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If you’ve been wondering what it takes to become a 401(k) millionaire, you’re not alone. With retirement account balances hitting record highs in 2025, more Americans are proving that building a 7-figure nest egg is possible. According to Fidelity, “the number of 401(k) accounts with a balance...
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According to the Goldman Sachs Retirement Survey & Insights Report 2025, many Americans are struggling to save as basic expenses rise faster than wages. Here’s what the data means for your 401(k) and what you can do right now to improve your retirement outlook. Why Is...
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The final weeks of the year are more than just holiday prep and family gatherings. They’re also your last chance to make financial moves before year-end that could boost your retirement savings, lower your tax bill, and set you up for a stronger 2026. Whether you're trying...
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If you’re hoping the 2026 Social Security COLA will help ease the pressure of rising costs, don’t get your hopes up. The 2026 increase is only 2.8%.¹ With inflation, Medicare premiums, and everyday expenses climbing faster, it won’t go far. In this post, we’ll help break down what...
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After a strong third quarter and a better-than-expected September, investors are asking, “How much longer can this last?” In his latest market update, Mark Sorensen, CEO and Chief Investment Officer of Royal Fund Management, explains why he believes the current bull run still has room to...
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As Q4 begins, now is the time to review your 401(k) plan and make sure your retirement strategy is on track. Waiting until December often means scrambling or missing out entirely. But acting now can allow you to adjust contributions, rebalance your portfolio, and make proactive changes...
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If you’re 50 or older and planning to make catch-up contributions to your 401(k), big changes are on the way – especially if you're a higher-income earner. The IRS recently issued final regulations under the SECURE 2.0 Act, and they clarify exactly how these contributions must...
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More employers are offering Roth 401(k)s inside their plans, making these accounts more accessible than ever. But just because your employer gives you the option doesn’t mean it’s automatically the right fit. If you’re considering contributing to a Roth 401(k) in 2025, there are several key rules...
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401(k) balances are climbing, and more Americans than ever are reaching a major milestone: becoming 401(k) millionaires. According to recent Fidelity data, the number of 401(k) accounts with balances over $1 million has soared to a record 595,000 in June 2025 – a 16% increase from...
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