The Keeler & Nadler Family Wealth 2026 Tax Guide is now available.

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.