Each year following Labor Day, the Plan Sponsor Council of America (PSCA) observes 401(k) Day to remind workers of the benefits of saving and investing through a 401(k) plan and to provide employers with related educational resources. This year marks the 30th anniversary of the observance. The 2026 theme is “Never Too Little, Never Too […]
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Social Security and Medicare: Planning for Future Changes
A recent survey showed that only about half of workers and 6 in 10 retirees are confident that Social Security and Medicare will provide the same value in the future.1 That’s not surprising. For years, detailed annual reports released by the Trustees of the Social Security and Medicare trust funds have warned that the trust funds […]
Read MoreRetirement Confidence Down
Retirement confidence slipped in 2026 after showing signs of improvement the year before, with both workers and retirees feeling less certain about their financial future. According to the latest findings from the Employee Benefit Research Institute’s 2026 Retirement Confidence Survey, only about three in five workers now say they are confident they will have enough […]
Read MoreMidyear Retirement Savings Checkup: Are You Contributing Enough?
A midyear retirement savings checkup is a great opportunity to review your workplace retirement plan contributions and determine whether you can save more before the end of 2026. Even small increases to your 401(k), 403(b), or 457(b) contributions may help strengthen your long-term retirement goals while allowing you to take full advantage of employer matching […]
Read MoreDOL Proposes New Rule for Alternative Assets in 401(k) Plans
The U.S. Department of Labor (DOL) has proposed a new rule to clarify the steps employers should take when deciding whether to include investments that hold alternative assets in their 401(k) plans. Alternative assets include private equity, private credit, digital assets, and other investments typically reserved for high-net-worth and institutional investors, such as college endowments […]
Read MoreBill Seeks to Fix Roth Rollover Glitch
In late 2025, lawmakers in both the House and Senate reintroduced legislation to help ensure that retirement plan participants with low balances don’t lose track of their savings during a job change. The new bipartisan legislation (Retirement Rollover Flexibility Act) aims to correct this issue by improving portability for Roth assets and helping employees keep […]
Read MoreThere’s Still Time to Fund an IRA for 2025
The tax filing deadline is fast approaching, which means time is running out to fund an IRA for 2025. If you had earned income last year, you may be able to contribute up to $7,000 for 2025 ($8,000 for those who were age 50 or older by December 31, 2025) up until your tax return […]
Read MoreIRS Issues Guidance on 530A (Trump) Accounts
In December 2025, the U.S. Treasury Department and the IRS released guidance (Notice 2025-68) on 530A accounts (also known as “Trump Accounts”), a type of tax-advantaged savings account for children created by the One Big Beautiful Bill Act. This guidance provides more details on how the accounts will work. Growth period A 530A account is […]
Read MoreIRA Amendments
Most Recent Amendments for all IRA types are available here.
Read More2026 Retirement Savings Limits Increase: What IRA and 401(k) Savers Need to Know
Many IRA and employer retirement plan limits are indexed for inflation, and several key numbers are rising again for 2026. Here’s a breakdown of what savers need to know. How Much Can You Save in an IRA? The maximum amount you can contribute to a traditional or Roth IRA in 2026 will increase to $7,500 […]
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