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Catch-Up Contributions Explained: What’s Changing for 401(k) and TSP in 2026
In this episode of Rayna Retirement, host Rayna Reyes breaks down the new rules for catch-up contributions in 401(k) and TSP accounts starting in 2026.
If you’re over 50, you’ve likely heard of the “catch-up” provision that lets you contribute extra toward retirement — but big changes are coming. Rayna explains what those new income thresholds mean, how high earners will see their catch-up contributions automatically routed to the Roth side of their plan, and what that means for your taxes and long-term savings strategy.
Learn how to make the most of these new rules, why Roth contributions can still be a win for federal employees, and what steps to take now to prepare for 2026.
Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org
—
YouTube: https://www.youtube.com/@RaynaRetirement
Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.
Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.
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By American Federal Benefits ConsultantsIn this episode of Rayna Retirement, host Rayna Reyes breaks down the new rules for catch-up contributions in 401(k) and TSP accounts starting in 2026.
If you’re over 50, you’ve likely heard of the “catch-up” provision that lets you contribute extra toward retirement — but big changes are coming. Rayna explains what those new income thresholds mean, how high earners will see their catch-up contributions automatically routed to the Roth side of their plan, and what that means for your taxes and long-term savings strategy.
Learn how to make the most of these new rules, why Roth contributions can still be a win for federal employees, and what steps to take now to prepare for 2026.
Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org
—
YouTube: https://www.youtube.com/@RaynaRetirement
Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.
Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.