Welcome to the Functional Retirement Podcast with your host, Thatcher Taylor! In this episode, we dive deep into the world of Roth catch-up contributions and the significant changes coming in 2026 that every retiree needs to know. If you're over 50 and working for an employer with a 401(k), this episode is a must-listen!

Discover how the Secure Act 2.0 is reshaping retirement planning by making Roth catch-ups mandatory for high-income earners. Thatcher breaks down the implications of these new rules, including the shift from pre-tax to Roth contributions, and what it means for your tax strategy and retirement income.

Learn about:

• The differences between pre-tax and Roth contributions
• How to navigate the new mandatory Roth catch-up rules
• Strategies for maximizing your retirement savings
• The importance of planning for tax-free income in retirement

Whether you're cooking, working out, or just taking a walk, tune in to gain valuable insights that can help you secure your financial future. Don't forget to like, subscribe, and share to support the growth of the podcast!

Join us on this journey to a more informed retirement. Your future self will thank you!

Timestamps:

0:03 - Intro & importance of facts
0:37 - Financial planners, IRS & Roth catch-ups
2:03 - 50+ with 401k & contribution limits
4:22 - Secure Act 2.0 & mandatory Roth catch-ups
6:36 - Tax changes & future Roth benefits
9:20 - RMDs, affected plans & income thresholds
11:00 - Compliance, planning & deductions
13:15 - Closing & next steps 

✅Contact Thatcher at [email protected] with comments and questions!

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DISCLAIMER: The information provided in these episodes is only to be considered helpful hints and education. Nothing said or shown is to be misconstrued as specific tax, legal, or investment advice. Consult with your tax, legal, or investment professional before acting on anything you see in these videos.

​​Investment Advisory Services are offered through ProPath Financial, a registered investment adviser authorized to do business in states where registered or otherwise exempt from registration. Nothing discussed in this podcast should be viewed as investment advice.