Source link : https://las-vegas-news.com/the-secure-2-0-shift-new-catch-up-rules-every-vegas-high-earner-needs-to-know/
If you’re a high-earning professional in Las Vegas, whether you’re running a casino operation, leading a hospitality brand, managing a medical practice, owning a business, or closing real estate deals, retirement planning just got more specific in 2026. The rules around catch-up contributions have changed, and the details matter.
What Catch-Up Contributions Actually Are
Catch-up contributions allow employees aged 50 or older to make additional retirement savings above the standard annual IRS limit, designed to help older workers boost their savings in the final stretch of their careers. They’ve long been a valuable tool for high-income professionals who want to accelerate what goes into their workplace retirement plans.
For 2026, the standard deferral limit is $24,500, and the catch-up limit for employees aged 50 and older is $8,000. That means catch-up eligible participants can contribute up to $32,500 in salary deferrals to their 401(k) plan in 2026.
The New Roth Catch-Up Rule for High Earners
Due to a provision of SECURE 2.0, high-income earners who make more than $150,000 in wages from the prior year are required to make their catch-up contributions as Roth, meaning after-tax, beginning on January 1, 2026. This is the core change that affects a significant number of Las Vegas professionals.
SECURE 2.0 changes that for…
—-
Author : Matthias Binder
Publish date : 2026-05-19 21:27:00
Copyright for syndicated content belongs to the linked Source.
—-
1 – 2 – 3 – 4 – 5 – 6 – 7 – 8