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Mark Beaver
The Keeler & Nadler Family Wealth 2025 Tax Guide is now available.
Each year, tax law updates create new planning opportunities and potential pitfalls for individuals, families, and business owners. Our latest guide highlights the most important changes you need to be aware of as you plan for the year ahead.
Feburary 11, 2026 | 11 min read
Key Tax Updates for 2026
Retirement Plan Contribution Limits
Several retirement account limits have increased, creating new opportunities for tax-efficient saving:
401(k) / 403(b) / TSP & Employer-Sponsored Plans
Employee contribution limit increased to $24,500
Catch-up contribution for individuals age 50+ increased to $8,000
Enhanced catch-up contribution for ages 60–63 remains $11,250
Maximum Total Employee Contribution
Ages 50–59 or 64+: $32,500
Ages 60–63: $35,750
Important note: Catch-up contributions will be required to be Roth contributions if your income exceeded $150,000 in 2025, adding another layer of planning consideration.
IRA & Roth IRA Contribution Limits
Contribution limit increased to $7,500
Catch-up contribution (age 50+) increased to $1,100
These limits apply to the combined total of Traditional and Roth IRA contributions.
Roth IRA Income Phase-Out Ranges (MAGI)
Eligibility for Roth IRA contributions continues to phase out at higher income levels:
Single or Head of Household: $153,000 – $168,000
Married Filing Jointly: $242,000 – $252,000
Married Filing Separately: $0 – $10,000
Understanding these thresholds is critical for avoiding excess contributions and identifying alternative planning strategies.
Why These Changes Matter
Tax updates don’t exist in isolation. Changes to contribution limits, income thresholds, and account rules can impact:
Retirement savings strategy
Roth vs. Traditional contribution decisions
Cash flow planning
Long-term tax efficiency
At Keeler & Nadler Family Wealth, we believe informed and proactive tax planning is a cornerstone of long-term financial success. Every financial situation is unique, and the right strategy often depends on how these rules interact with your broader financial picture.
Let’s Plan Ahead
We encourage you to connect with our team for a personalized conversation about how the 2025 tax updates affect your specific goals. Together, we can evaluate opportunities, avoid costly mistakes, and align your tax strategy with your long-term wealth plan.
Keeler & Nadler Family Wealth is proud to serve individuals and families across Central Ohio, including Dublin, Columbus, Powell, Worthington, and Hilliard.
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