Roth Catch-Up Contributions 2026: What High Earners Need to Know | SW CPAS
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Roth Catch-Up Contributions 2026: What High Earners Need to Know | SW CPAS

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Do high-income employees have to make Roth catch-up contributions in 2026? Yes — if your prior-year FICA wages from your employer exceeded $150,000, the SECURE 2.0 Act now requires that your Roth catchup contributions 2026 be designated as Roth (after-tax) contributions, not pre-tax. Here is everything you need to know before the January 1, 2026…

A clean and friendly illustration. On one side, a small piggy bank labeled 'Taxable' has a few coins. On the other side, a large, vibrant money tree labeled '401(k)' is flourishing. The sun, labeled 'Tax Deferral', is shining on the 401(k) tree, helping it grow. The style is simple, optimistic, and uses green and orange highlights.

The Real Reason Why 401(k) Offers Powerful Tax-Saving Benefits, Even Though You Pay Taxes Later

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  Is Your 401(k) a Scam? We’re tackling the big doubt: “Why save now just to pay huge taxes later?” Discover the three powerful reasons why tax deferral is one of the greatest wealth-building tools you have.   Let’s talk about something that I’m sure has crossed your mind. You’re doing the right thing, diligently…