Here are five smart 401(k) moves to prioritize right now:
The IRS has raised the standard employee contribution limit to $24,500 for 2026 (up from $23,500 in 2025). Even a small percentage increase in your deferral rate can help you reach this maximum, reducing your current taxable income while supercharging tax-deferred growth. If your employer offers a match, prioritize contributing enough to capture it fully—it’s essentially free money toward your future.
For those age 50 and up, you can add an extra $8,000 in 2026, for a total of $32,500. If you’re between ages 60 and 63, take advantage of the “super catch-up” allowing up to $11,250 extra (totaling $35,750 if your plan permits). These boosts from the SECURE 2.0 Act are powerful for closing savings gaps in your peak earning years.
Starting in 2026, if your 2025 FICA wages from your employer exceeded $150,000, any catch-up contributions must be made on a Roth (after-tax) basis. This means paying taxes now for potential tax-free growth and withdrawals later. Check if your plan offers Roth options—if not, you may be unable to make catch-ups. A fiduciary can help evaluate whether Roth makes sense for your tax situation.
Markets fluctuate, and so should your portfolio adjustments. Use this January reset to assess your risk tolerance, diversify across asset classes, and ensure your investments align with your retirement timeline. Low-cost index funds often outperform actively managed options over time, but personalized wealth management advice from a fiduciary ensures no conflicts of interest derail your strategy.
Don’t leave money on the table—many plans match contributions up to a certain percentage. Additionally, with growing emphasis on Roth 401(k)s (no income limits, unlike Roth IRAs), consider splitting contributions between traditional and Roth for tax diversification. This hedges against future tax rate changes and enhances flexibility in retirement.
As we start 2026 during Financial Wellness Month, these proactive 401(k) moves can significantly strengthen your retirement outlook. Complex rules around limits, catch-ups, and Roth requirements make professional input invaluable. Consult a fiduciary advisor dedicated to your best interests for tailored wealth management that maximizes growth and minimizes taxes. Your future self will appreciate the action you take today.
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