Audio is streamed directly from the publisher (mcdn.podbean.com) as published in their RSS feed. Play Podcasts does not host this file. Rights-holders can request removal through the copyright & takedown page.
Show Notes
Get a head start on your financial goals for 2026! In this episode, Chris Wagner, Wealth Advisor at Vector, shares six financial planning topics for the year ahead.
Financial Planning in the New Year
- 73+ in 2026? Plan for Required Minimum Distributions (RMDs) from pre-tax accounts
- Maximize Giving with Qualified Charitable Distributions (QCDs)
- Roth Conversion for tax-free growth once in a Roth IRA
- Beneficiary Designations – Reminder to review and update
- Fund a Donor-Advised Fund (DAF) with appreciated investments
- Contribute to a 401(k) or HSA: Updated Limits in 2026
Plus, New Catch-Up Contribution Rule for High Earners
If you’re age 50 or older and earned more than $150,000 with the same employer last year, all of your 401(k), 403(b), or 457(b) catch-up contributions must go into a Roth 401(k) account. 2026 is a transition year for this rule, with full enforcement starting in 2027. Check with your employer or retirement account custodian to learn if your plan is eligible.
Whether you’re planning for retirement, looking to optimize your tax strategy, or simply want to stay informed about the latest changes, Vector is here to help.
Happy New Year!
-
Connect with Vector at vectorwealth.com
-
Regulatory
All content discussed in our podcasts, videos, or related blog articles are for informational purposes and should not be construed as individualized financial advice.
Opinions expressed herein are solely those of Vector Wealth Management, our staff, and guests. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed directly and in detail with your financial advisor prior to implementation of a strategy or investment. Vectorwealth.com/regulatory