2026 Retirement Rules: Fresh New Rules and Higher Limits

Written By Michael Custer

The IRS rolled out new 2026 retirement contribution limits and, yes, more new rules! Who's excited?! Not a huge shocker, but we think some are good! They made some things more complicated though. From new income limits, new catch ups, a super catch up window that only exists from ages 60 to 63, and the mandatory Roth catch up for higher earners, it feels like the IRS is writing plot twists just to keep us on our toes.

In this episode, Michael CFP®, EA, CSS™ breaks down:

💭 The mandatory Roth catch up rule for higher earners

💭 The backdoor Roth strategy and the pro rata rule

💭 IRA and Roth IRA contribution limit changes

💭 Simple IRA updates including Roth Simple availability

💭 New 401k and 403b limits and how the super catch up works

💭 Why HSA accounts may act like a secret retirement account

💭 Common planning paths people use when stacking accounts

💭 How Roth contributions could help bridge the gap before 59 1/2

💭 Key income restrictions to watch for in 2026

If you want a clear walk through of all the major retirement updates coming in 2026, this episode tries to make it feel a whole lot more understandable.

Michael Custer

Michael graduated from Hope College where he played Quarterback for the football team. Now, he focuses on tax strategies, helping W-2 employees and small business owners with implementing tax strategies, learning their choices with old work retirement plans, and Roth IRAs. He has a passion for building a relationship with his clients. Understanding why money matters to you is important to him. He firmly believes that finances can be a powerful tool for your life goals.

Michael is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and also holds his Series 7, Series 66, Series 24. and SIE registrations with LPL Financial as well as his Life, Health, Property and Casualty insurance licenses.

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