High earners 50-plus will lose a valuable 401(k) tax break with contribution rules about to change. Here's how it will affect your retirement savings

Catch-up contributions allow people aged 50 and up to contribute more to their workplace retirement accounts. For 2025, the ...
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Safe Harbor 401(k): Rules, Benefits and How It Works

A safe harbor 401(k) helps businesses skip IRS testing. Learn how it works, the match rules and when to set one up for your ...
Financial Advisor

New Rules Curb 401(k) Catch-Ups For High Earners

For the past 24 years, workers age 50 or older have been able to supercharge their 401(k) accounts by making “catch-up” contributions as they approach retirement. But new rules from the IRS will ...
JD Supra

IRS Issues Roth Catch-Up Contribution Rules for Highly Paid Participants

On September 16, 2025, the Internal Revenue Service (IRS) released a final regulation providing guidance on how plan sponsors should implement ...
Morningstar

IRS rules now say 401(k) catch-ups for high earners have to be in a Roth. Is it still worth it?

Will workers earning more than $145,000 want to put those retirement contributions in a post-tax Roth account? Their answer might surprise you. Would you rather pay tax now and have tax-free growth, ...

Understanding Qualified Distributions: IRS Rules, Tax Benefits, and More

Learn about qualified distributions from retirement accounts, IRS rules, tax implications, and how to maximize your tax benefits while avoiding penalties.