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2026: Your Guide to Contributions and Tax Law Changes
Heading into 2026, recently enacted legislation – including the One Big Beautiful Bill Act (OBBBA) and ongoing provisions of SECURE Act 2.0 – continue to drive changes in contribution limits and tax rules that may affect your financial plan. Changes in Contribution Limits 401(k) / 403(b) / 457 Plans / SEP IRAs The maximum employee…
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Fed Cuts, AI Power Demand, and Global Defense: 2025’s Defining Themes
As 2025 enters its final stretch, we remain constructive but cautious. Our view is rooted in a few central theses: the Federal Reserve is entering the pivot zone, structural tailwinds are forming around defense and AI infrastructure, and selective flexibility will be essential. Below is how we see the landscape, where we’re leaning, and how…
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Big Beautiful Bill, Part 2: New Below The Line Deductions
OBBBA has numerous changes and noteworthy inclusions that we’ll continue to highlight in a series of articles. This second article will focus on the new below-the-line deductions created as part of the tax legislation package, along with associated planning opportunities and key considerations. In Part 2 of our OBBBA series, we’ll cover: Above-the-Line vs. Below-the-Line…
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Big Beautiful Bill, Part 1: Brackets, Deductions, and New Planning Opportunities
Independence Day 2025 marked more than fireworks and festivities—it also marked the passing of a sweeping piece of tax legislation: the One Big Beautiful Bill (OBBA). Signed into law on July 4, OBBA arrived with urgency, aiming to address the expiration of the Tax Cuts and Jobs Act (TCJA) set for the end of 2025.…
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Supercharge Your Roth Part 2: Mastering the Mega Backdoor
The Backdoor Roth contribution, as outlined in my previous article, is a strategy that remains relatively unknown to many. Even more under the radar is the Mega Backdoor Roth contribution, largely because not everyone has the ability to take advantage of it. In this article, we’ll take a deep dive into the Mega Backdoor Roth…
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Supercharge Your Roth Part 1: Mastering the Backdoor
Roth Money Roth money is undoubtedly a valuable component of a well-diversified financial portfolio, thanks to the fact that qualified withdrawals are completely tax-free. These funds are typically held within retirement accounts such as the Roth Individual Retirement Account (IRA) and the Roth 401(k). Contributions to Roth accounts are made with after-tax dollars, meaning there’s…
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Social Security Fairness Act Could Change Retirement For Millions
Background Until now, individuals who did not contribute to the Social Security system for at least part of their careers have seen their Social Security benefits reduced due to the Government Pension Offset (GPO) and/or the Windfall Elimination Provision (WEP). This primarily affected state and local employees such as teachers, firefighters, police officers, and federal…
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Social Security Fairness Act Could Change Retirement For Millions
Background Until now, individuals who did not contribute to the Social Security system for at least part of their careers have seen their Social Security benefits reduced due to the Government Pension Offset (GPO) and/or the Windfall Elimination Provision (WEP). This primarily affected state and local employees such as teachers, firefighters, police officers, and federal…
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2025: YOUR GUIDE TO CONTRIBUTIONS AND TAX LAW CHANGES
2025, along with the enactment of SECURE Act 2.0, brings some significant changes to Plan Contribution Limits in addition to Tax Law Changes which could affect your Financial Plan. CHANGES IN CONTRIBUTION LIMITS 401(k)/403(b)/457 Plans/SEP IRAs: The maximum employee contribution limit for those under 50 has increased to $23,500 for 2025, marking a $500 rise…
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2025: YOUR GUIDE TO CONTRIBUTIONS AND TAX LAW CHANGES
2025, along with the enactment of SECURE Act 2.0, brings some significant changes to Plan Contribution Limits in addition to Tax Law Changes which could affect your Financial Plan. CHANGES IN CONTRIBUTION LIMITS 401(k)/403(b)/457 Plans/SEP IRAs: The maximum employee contribution limit for those under 50 has increased to $23,500 for 2025, marking a $500 rise…
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