The IRS rolled out new 2026 retirement contribution limits and, yes, more new rules! Who's excited?! Not a huge shocker, but we think some are good! They made some things more complicated though. From new income limits, new catch ups, a super catch up window that only exists from ages 60 to 63, and the mandatory Roth catch up for higher earners, it feels like the IRS is writing plot twists just to keep us on our toes.

In this episode, we break down:

💭 The mandatory Roth catch up rule for higher earners

💭 The backdoor Roth strategy and the pro rata rule

💭 IRA and Roth IRA contribution limit changes

💭 Simple IRA updates including Roth Simple availability

💭 New 401k and 403b limits and how the super catch up works

💭 Why HSA accounts may act like a secret retirement account

💭 Common planning paths people use when stacking accounts

💭 How Roth contributions could help bridge the gap before 59 1/2

💭 Key income restrictions to watch for in 2026

If you want a clear walk through of all the major retirement updates coming in 2026, this episode tries to make it feel a whole lot more understandable.

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com

Chapters:

00:00 New IRS Rules & Allowed Contribution Limits

02:57 New IRA Allowed Limits!

03:50 What's the New 401k Allowed Maxes?

04:44 New "Super Catch Up" Allowed?!

05:31 $72k to a 401k?

06:30 Mandatory New Roth Catch-Up Rule

08:08 Who May this Hurt?

08:52 Roth Simple IRAs Really?!

09:39 Do I Still Get My Match?

10:29 Don't Forget Your Health Savings Account

11:32 Backdoor Roth IRA Strategy

13:21 Pro Rata Rule!

14:10 Commonly Used Retirement Set Up

16:35 Roth Contribution Rule

18:34 Recap of New Rules

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.