When people are in their 20s and even 30s, they often focus their finances on paying off debts, starting a family, and buying a home. By the time they start focusing more on growing a nest egg for ...

When people are in their 20s and even 30s, they often focus their finances on paying off debts, starting a family, and buying a home. By the time they start focusing more on growing a nest egg for ...

In January 2026, the new Roth catch-up rules take effect. The mandate prevents workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).

Seyfarth Synopsis: On September 15, 2025, the Department of the Treasury and the Internal Revenue Service (“IRS”) issued final regulations (“Final Regulations”) implementing key provisions of the ...

Participants who are not High Earners in the prior year can continue to make pre-tax or Roth catch-up contributions, as permitted by the plan. Determining the $145,000 Threshold The threshold is ...

Since 2002, retirement savers age 50 and over have had the option of making “catch-up” contributions to their 401(k) plans, which are over and above the regular limits for employee contributions to ...