#Roth

Generally, each year you can contribute up to the annual limit to a traditional or Roth IRA (or a combination of the two). But once the contribution deadline has passed, the opportunity to contribute for that year is lost forever. The deadline for 2025 IRA contributions is April 15, 2026. You may be eligible to deduct all or part of your IRA contribution and save taxes on your 2025 return. But even if you can’t claim a deduction, contributing can still be beneficial. How much can you contribute? For

The final regulations for SECURE 2.0 Act of 2022 were released on September 15, 2025.  There is a key part of this regulation that may affect employers who sponsor a 401(k) plan.  Effective January 1, 2026, catch-up contributions made for a highly paid individual age 50 or over, as defined below, must be made on a Roth basis. To comply with this requirement, plans may adopt a deemed Roth election. This option automatically treats catch-up contributions from highly paid individuals as