Be sure you understand the tax consequences before making the change Cathy Pareto, MBA and CFP®, is the founder and president of Cathy Pareto & Associates Inc. For more than twenty years, Cathy has ...

Learn how a Roth 401(k) works in 2026, including contribution limits, withdrawal rules, tax benefits and how it compares with a traditional 401(k) or Roth IRA.

The 401(k) plan, primarily sponsored by employers, allows employees to save and invest a piece of their paycheck before taxes are taken out. When withdrawals begin, typically in retirement, these ...

Without planning, retirement can become more taxable than expected. The right contribution mix can help smooth lifetime taxes ...

Typically, 401(k) catch-up contributions, which apply to workers age 50 and older, can be traditional pretax or after tax Roth, depending on what 401(k) plans allow. But starting in 2026, 401(k) catch ...

If you're going to save for retirement, it generally makes sense to do so in a tax-advantaged account. That way, you can shave down your IRS bill in some shape or form in the course of building up a ...

In January 2026, the new Roth catch-up rules take effect. The mandate prevents workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).