ER Doc Advisor - Financial Planning & Taxes for Emergency Physicians

Ep 45: New Year, New Limits — What 2026 Means for Your Retirement Strategy

The new year is coming up fast, and 2026 is bringing some major updates to retirement saving rules. These aren’t small tweaks—many limits are jumping in ways we haven’t seen in a long time.

That’s great news if you’re intentional about your planning because more room to save means more room to reduce taxes and grow wealth. Let’s walk through the biggest changes and what they mean for you.

WHAT YOU’LL LEARN:

  • Why 2026 retirement contribution increases are larger and more impactful than recent years.
  • How higher 401(k) limits and expanded catch-up contributions can significantly reduce taxes.
  • What the new Roth catch-up requirement means for high-earning W-2 MedSpa owners.
  • How IRA contribution limits, income phase-outs, and backdoor Roth strategies fit together.
  • Why HSAs remain one of the most powerful tax-advantaged accounts available.
  • How SEP IRAs compare to individual 401(k) plans and why the solo 401(k) often wins.
  • What MedSpa owners should be doing now to prepare for 2026 planning decisions.

Tags:

medspa, retirement planning, 401(k), Roth IRA, HSA, solo 401(k), SEP IRA, tax planning, med spa finances, wealth building, IRS contribution limits

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