The SECURE 2.0 Act continues reshaping the retirement landscape in ways many people haven’t fully absorbed yet. One of the biggest advantages for 2025 is the enhanced catch-up limits for individuals ages 60 to 63 — now up to $11,250 for 401(k)s, 403(b)s, and governmental 457 plans. That’s a substantial boost for anyone in their highest-earning years.

I encourage clients to think of these years as a window of opportunity. Higher contributions mean more long-term growth and less taxable income today. And with the RMD age increasing, many people will have additional time to let their assets compound before withdrawals begin.

If you’ve been meaning to strengthen your retirement plan or feel like you’re “catching up,” these changes give you a genuine advantage — and it’s absolutely worth exploring. These next few years could have a bigger impact on your long-term security than you realize.

Read more at the link below.
— Marilyn

https://www.kiplinger.com/taxes/super-catch-up-contribution-for-age-60-63