The retirement planning landscape is changing again in 2026—and for many savers, especially higher earners, the rules are becoming more complex.

In this episode of Retirement Roadmap, Evan and retirement planner Mark Fricks break down the most important 2026 changes affecting 401(k)s, IRAs, Roth accounts, and employer-sponsored plans. These updates create new opportunities to save more, but they also introduce new restrictions that could catch people off guard if they’re not prepared.

We cover:

• New 2026 contribution limits for 401(k)s, 403(b)s, 457(b)s, and IRAs
• Required Roth treatment for catch-up contributions for higher earners over age 50
• What happens if your employer plan does not offer a Roth option
• “Super” catch-up contributions for ages 60–63
• Updated income phase-outs for Traditional and Roth IRAs
• SIMPLE and SEP plan increases for small business owners
• In-plan Roth conversions coming to the Thrift Savings Plan (TSP) for federal employees
• Why these changes may signal a broader shift toward personal responsibility in retirement planning

We also discuss how concerns around Social Security, longer life expectancy, and future tax rates are shaping today’s retirement policy—and why having a coordinated plan matters more than ever.

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Catch all episodes of our podcast at https://www.masterplanyourretirement.com/resources/episodes

Listen to Mark Fricks on Saturdays at 12:00 p.m. on XTRA 106.3 FM WFOM.
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Purchase Mark’s book, The Road Less Traveled: Turning Your Retirement Worries Into an Excursion of a Lifetime, on Amazon: https://a.co/d/4fx94Al

Advisory services offered through MasterPlan Retirement Consultants, Inc., a Registered Investment Advisor in the state of Georgia. Insurance, tax and commodities services offered through Fricks and Associates, Inc. dba MasterPlan Retirement Consultants. The aforementioned are affiliated companies.