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What the New Roth Catch-Up Mandate Means for 2026 Tax Planning
Expert Opinion January 02, 2026 at 04:10 PM
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What You Need To Know
- The Secure 2.0 Act requires that taxpayers with earnings of more than $150,000 must treat any catch-up contributions as Roth contributions.
- The $150,000 amount will be indexed for inflation in $5,000 increments going forward.
- Clients should understand that the Roth mandate applies only to employer-sponsored 401(k)s.
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