2025 401(k) Super Catch-Up Contributions

Big news for retirement savers! In this video, Christopher Klein, CFP® from Liberty One Wealth Advisors breaks down the new 2025 'super catch-up' contribution for 401(k) plans. If you’re between 60 and 63, starting in 2025, you’ll have the opportunity to contribute up to $34,750 annually—one of the biggest contribution increases in 20 years! This change is perfect for anyone looking to boost their retirement savings, especially if they had gaps in employment or started saving later.

We'll also discuss an important tax change coming in 2026: higher-income earners making over $145,000 will need to make their catch-up contributions as Roth, allowing for tax-free growth in retirement. If you’re considering your retirement options, now is a great time to revisit your strategy and make the most of these changes. Reach out to Liberty One Wealth Advisors for personalized guidance!