2026 Retirement Contribution Limits JUST Released! PLUS 1 BIG CHANGE you need to know! #IRA…

2026 Retirement Contribution Limits JUST Released! PLUS 1 BIG CHANGE you need to know! #IRA #401k

Are you 50 or older and planning for retirement? The IRS just released the official 2026 retirement contribution limits. If you are in the retirement red zone and trying to max your retirement savings be sure to watch.

Mike Palmer, Certified Financial Planner and founder of Ark Royal Wealth Management, breaks down the just-released limits for 2026 IRA and 401(k) contributions so you can start planning now to maximize your savings.

📈 2026 IRA Contribution Limits at a Glance:
(Traditional & Roth) IRA Limit: Increases from $$7,000$ to $$7,500
Ages 50+ Catch-up: $1,100

401(k) Deferral Limits at a Glance:
Regular Limit: Increases from $$23,500 to $24,500
Regular Catch-up (Ages 50–59 & 64+): Rises to 8,000
Extra-Mega-Special-Bonus Catch-up (Ages 60–63): $11,250

🚨 IMPORTANT 2026 401(k) CATCH-UP CHANGE!!!

Learn about the significant change impacting high-income earners who are 50+ with W-2 income over $150,000. Starting in 2026, the catch-up amount (the amount over $24,500) MUST be made as a Roth contribution rather than traditional pre-tax.

🦸‍♂️ Meet the 3 Retirement Superheroes

Mike introduces the three “retirement superheroes” and explains how using this trio creates maximum flexibility in retirement.

Have questions?

📞Book a Call with Mike Palmer, CFP®
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🕐Timestamps
[00:05] Introduction to the 2026 Limits
[00:38] New 2026 IRA Contribution Limit
[01:30] Meet the Three Retirement Superheroes
[02:29] New 2026 401(k) Deferral Limit
[03:11] IMPORTANT CHANGE: Roth Catch-up Rule for High Earners
[03:37] Max Savings Example
[04:09] Allocation Strategy for 401k vs. IRA

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✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 30 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

For Business inquiries, please use the contact information below:

📩 Email: mpalmer@ark-wealth.com

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🔎 Related Phrases:
How should I allocate between Roth and pre-tax?

#retirementplanning #financialplanning #earlyretirement

https://www.youtube.com/watch?v=63IBTtw7qio

via Ark Royal Wealth Management
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November 21, 2025 at 10:14PM

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