One of my favorite ways to help our clients is by uncovering savings opportunities they didn’t realize were available.
Below are the two most common retirement plans we see, the maximum contribution limits for 2026, and a couple of questions that often open the door to additional savings.
401(k) – Pre-Tax or Roth
- Employee contribution limit: $24,500
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Catch-up contribution (age 50+): $8,000
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Super catch-up (ages 60–63): $11,250
Question to consider:
If you’re self-employed, could you hire your spouse so they can also contribute to a 401(k)?
Traditional IRA or Roth IRA
- Contribution limit: $7,500
- Catch-up contribution (age 50+): $1,100
Question to consider:
If one spouse is working and contributing to a 401(k), can the non-working spouse still make an IRA contribution?
If you’re not currently taking advantage of these plans—or if you’re unsure how the questions above apply to your situation—we encourage you to reach out!