SmartAsset on MSN
Ask an advisor: We earn $350K+ per year and can't contribute to a Roth IRA. Do we have to wait until retirement to convert?
Because of our income bracket – we make over $350,000 per year – we cannot contribute to a Roth anymore. We're 61 and 62, and ...
Young and the Invested on MSN
Does a Roth conversion make sense at my age? The pros and cons of conversions at different ages
This article is about the pros and cons of Roth conversions for different age groups.
On September 15, 2025, the Internal Revenue Service (IRS) issued final regulations implementing provisions of the SECURE 2.0 Act related to age 50 catch-up contributions under employer-sponsored ...
When the IRS published its final regulations governing Roth source catch-up contributions in the Federal Register on September 16, the countdown clock started. On January 1, 2026, employees age 50 and ...
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).
After delaying a rule requiring high-income 401(k) savers aged 50 or older to make catch-up contributions in Roth accounts, the IRS has signaled that it will take effect starting next year. Industry ...
(k) cathc up contributions. Ignoring these changes could get you in trouble with the IRS or cause a suprise tax bill.
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