401(k) Catch-Up Contributions to be Treated as Roth Contributions in 2026 By Danielle Keyes, AIF®
Beginning in 2026, certain high-income taxpayers’ 401(k) and 403(b) plan catch-up contributions must be designated as after-tax Roth contributions. Background Historically, individuals aged 50 and older could boost their retirement savings by contributing additional pre-tax dollars to their employer-sponsored retirement…