What's changing for retirement savers and retirees in 2026

Get ready for some significant changes affecting retirement savings and benefits in the coming year! As we head into 2026, several key updates will impact both current and future retirees.

One major change on the horizon is the potential increase in the Social Security cost-of-living adjustment (COLA). With inflation rates still relatively high, this could mean a bigger boost to Social Security benefits for millions of Americans. Let's see how it all plays out!

• Expected COLA Increase: The Social Security Administration is projecting a 4% increase in benefits for 2026. While this is lower than the 10.8% hike seen in 2023, it still represents a significant increase.
• Roth IRA Changes: As part of the SECURE 2.0 Act, new Roth Individual Retirement Accounts (IRAs) will now allow catch-up contributions to be made using after-tax dollars instead of pre-tax dollars. This change is expected to provide more flexibility for retirement savers.

These updates are just a few of the key changes on the horizon for retirement savers and retirees in 2026. We'll continue to monitor developments and keep you informed as new information becomes available.

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Stay ahead of the curve and take control of your retirement savings. With our expert advice, resources, and products designed to support your financial goals, you'll be well-prepared for whatever 2026 brings.