What's changing for retirement savers and retirees in 2026

As we step into a new year, many Americans are looking forward to their retirement plans. But changes on the horizon may impact how you save for your golden years – or access the funds when you need them.

The IRS has announced updates to tax-advantaged savings accounts and retirement benefits that will kick in starting January 1st, 2026. For those approaching retirement or already collecting Social Security, here are some key changes to keep in mind:

• Changes to Saver's Credit: Eligible individuals may claim a tax credit for contributing to retirement accounts.
• Roth IRA contribution limits: Increase from $15,000 to $17,000 per year.
• Social Security benefits: Cost-of-living adjustments (COLAs) will continue to rise with inflation.

With changes looming on the horizon, it's essential for retirement savers and retirees alike to stay informed. This way, you can adjust your plans accordingly – whether that means adjusting contributions or understanding new benefit structures.

Prepare for a secure future with our resources:

• We've got expert advice on how to navigate the changing landscape of retirement planning.
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