That’s great news if you’re intentional about your planning because more room to save means more room to reduce taxes and grow wealth. Let’s walk through the biggest changes and what they mean for you.
Topics Discussed
- Why 2026 retirement limit increases are larger than normal.
- New 401(k), 403(b), and 457 contribution limits for 2026.
- Updated catch-up contribution rules for ages 50+ and 60-63.
- The new Roth-only catch-up requirement for high W-2 earners.
- How these changes affect solo 401(k) and S corp owners.
- IRA contribution limit increases and why they change less frequently.
- Roth IRA income phase-outs and common contribution mistakes.
- When a backdoor Roth strategy makes sense.
- HSA contribution increases and how HSAs function as a triple tax-advantaged account.
- Using HSAs for future expenses, Medicare premiums, and long-term planning.
- SEP IRA vs. individual 401(k) contribution differences.
- Why individual 401(k)s typically allow higher savings for ER docs.
- How higher limits impact AGI planning, surtaxes, and long-term compounding.
Resources Mentioned:
Tags:
ER docs, emergency medicine, retirement planning, 2026 contribution limits, 401(k), SEP IRA, Roth IRA, backdoor Roth, S-corp planning, HSA strategy, tax planning for physicians, tax diversification, financial planning, NIIT surtax, retirement savings strategies
