Total Wealth Solutions

Feeling behind on retirement savings at 50+? SECURE 2.0 might help more than you think.

A few key changes worth knowing:

📈 Bigger catch-up contributions — up to $8,000 extra in 2026, or $11,250 if you're 60–63 (total possible: $35,750).

🔄 If you earned $150K+ in 2025, your workplace plan catch-up contributions now go into Roth — paying tax now on the "seeds" instead of later on the "harvest" can actually work in your favor.

⏳ RMD age is now 75 for anyone born in 1960 or later — more time to grow your money and plan strategically.

🧩 Here's the thing: Social Security, IRAs, and 401(k)s don't work in isolation. How you contribute now — and how you withdraw later — needs to be one coordinated plan, not three separate decisions.

A late start doesn't have to mean a bad outcome — the rules have shifted in ways that can genuinely help.

If you're 50+ and want to talk through what this means for you, let's connect. 📩