No Non-Cents Blog

The New 401(k) Rule That Could Change Your Retirement Tax Strategy in 2026 Starting in 2026, one of the most under-the-radar changes to retirement plans in years goes into effect — and it’s aimed squarely at high earners over 50. If you’ve enjoyed using pre-tax 401(k) catch-up contributions to lower your tax bill, Uncle Sam would like a word. What’s Changing? If you are age 50 or older and earned more than $145k (indexed for inflation) in the prior year, any catch-up contribu

Volatility is nothing new. Markets rise, fall, and then rise again — often for reasons that seem disconnected from the real world. Yet even though we intellectually understand that markets move in cycles, our behavior often tells a different story. One of the most interesting truths in wealth management is this: The greatest threat to long-term returns is rarely the market itself. It’s the decisions investors make during stressful moments. This reality is the foundation of