Big changes are coming to retirement plans in 2026, and whether you’re an employee, business owner, or nearing retirement, these updates will impact how you save, how you contribute, and how much of your income you keep.

This guide breaks down the most important updates in a simple, strategic way giving you the clarity you need today, while leaving room for the personalized planning you’ll need to take full advantage of the new rules.

What’s Changing in 2026? (High-Level Overview)

Here’s a quick snapshot of the major rule updates coming next year — just enough to show why planning ahead matters:

1. 401(k) & Workplace Plans

Contribution limits are increasing, but there’s a major shift for high-income earners age 50+.
Starting in 2026, certain catch-up contributions will be allowed only in a Roth format.

This rule directly affects your tax savings and your take-home pay and it will not be delayed again.

2. SIMPLE Plans

SIMPLE IRA caps are rising as well, and some age groups will qualify for an expanded catch-up window.
However, these breaks come with specific IRS conditions many business owners are unaware of.

Knowing your eligibility now can help you avoid costly mistakes later.

3. IRAs (Traditional & Roth)

Contribution limits and income phaseouts are going up.
Whether you qualify and whether these changes benefit you or restrict you depends entirely on your 2025 AGI and your current retirement plan setup.

This is the area where I see the most confusion… and the most opportunity.

4. Qualified Charitable Distributions (QCDs)

The 2026 increase allows retirees to make larger tax-efficient charitable donations directly from an IRA.
This can significantly reduce taxable income but only when structured correctly.

5. Saver’s Credit

More individuals may qualify for the Saver’s Credit next year.
But with shifting AGI thresholds, even small changes in income this year can determine whether you qualify in 2026.

What This Means for You

The IRS is opening new doors for saving but also introducing new rules you’ll need to navigate carefully.

This is not the year to guess your way through retirement planning.
This is the year to plan ahead.

Your 2026 retirement strategy should be built now, not later. And it should reflect your income, your tax bracket, your business structure, and your long-term financial goals.

Every limit, every threshold, and every contribution rule ties into the bigger picture and that bigger picture is unique to you.

Your Next Step (The One That Matters Most)

If you want clarity on:

✔ What you personally qualify for
✔ How much you should contribute next year
✔ Whether the new Roth-only rule affects you
✔ How these changes could reduce your 2026 tax bill
✔ What steps to take this year before the rules shift

Then it’s time to review your retirement strategy with a professional.

Let’s build a plan that protects your income, maximizes your savings, and strengthens your long-term financial picture.

👉 Schedule your call here.

Your future self will thank you for planning early.