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In this episode, Kris Flammang is joined by guest host Colin Habig to break down the new 401(k) catch-up contribution rules under SECURE Act 2.0—and how they specifically impact high earners and plan sponsors.
Starting in 2026, individuals making over $145,000 annually will see big changes in how they can contribute catch-up dollars—and Roth contributions may be the only option. Whether you're a high-income employee or a business owner running a retirement plan, this is your heads-up episode.
➤ What You’ll Learn

→ The key 401(k) changes coming for earners above $145K
→ How Roth-only catch-up rules will affect retirement strategies
→ What small business owners and plan sponsors need to do NOW
→ Compliance and automation strategies to avoid mistakes
→ The timeline for plan amendments and why 2026 matters
🎯 Bottom Line:
Catch-up contributions aren’t going away—but they are changing fast. Tune in to get ahead of the curve and protect your retirement strategy.
📌 Resources & Contact

→ Learn more: https://www.lpfadvisors.com
→ Connect with Kris: LinkedIn
→ Connect with Colin: LinkedIn
→ Subscribe to the podcast for more smart money strategies for HENRYs (High Earners, Not Rich Yet)New boost

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