Business Intelligence | From W.D. Strategies on MSN

The $150K Roth trap: Why high earners face new taxes on catch-up contributions

Picture this. You've worked hard to build your career, you're finally earning a six-figure salary, and you're trying to max out your retirement savings. You think you're doing everything right by ...
Older high-income workers who make contributions beyond the standard amount will have to put that extra money into a Roth 401 ...
On September 15, 2025, the Department of Treasury and Internal Revenue Service issued final regulations addressing catch-up contribution rules for 401(k) plans, 403(b) plans, and governmental 457(b) ...
The IRS has issued proposed regulations that clarify and implement "super catch-up" contributions changes and mandatory Roth catch-up contributions for "high earners" introduced by the SECURE 2.0 Act ...
A new rule is going into effect next year that will affect high earners who make “catch-up contributions” in their 401(k)s or other tax-deferred workplace retirement plans.The rule, which was created ...
The Internal Revenue Service has finalized regulations implementing key provisions of the SECURE 2.0 Act, including new requirements for catch-up contributions in workplace retirement plans. The rules ...
Starting the year you turn 50, you can increase retirement contributions by an amount set by the IRS. Many, or all, of the products featured on this page are from our advertising partners who ...
Beginning this year, older workers have a fleeting but powerful new way to supercharge their retirement savings, but many may miss out through inaction. Under the SECURE 2.0 Act, employees between the ...
The IRS and U.S. Department of the Treasury finalized a Secure 2.0 rule for catch-up contributions for 401(k) and other plans, which apply to workers age 50 and older. Starting in 2027, catch-up ...
Many high-income taxpayers are already fully taking advantage of a company-sponsored 401(k) plan by maximizing their annual pre-tax contributions. For taxpayers over age 50, that includes taking ...