Roth Advice Gone Wrong and Mandatory Roth Catch-Up Contributions in 2026

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• New mandatory Roth catch-up rule could cause after-tax take-home pay to drop and delays Roth contributions until later in year if not adjusted

  80% confidence

• Tax diversification across pre-tax, Roth, and taxable accounts enables optimization of retirement income on a year-by-year basis

  80% confidence

• NASDAQ 100 has dropped more than 30% in every down year since 1995, but only five down years in 31 years

  80% confidence

• Married couples get $30,000 of tax-free income from standard deduction

  80% confidence

• Completing beneficiary designation forms ensures heirs get money faster and can leave it in account longer for tax-advantaged growth

  80% confidence

• Roth conversions increase AGI which affects Medicare premiums, with Social Security looking back two years to age 63 income for age 65 premiums

  80% confidence

• Stock Advisor has achieved 991% total average return compared to 196% for S&P 500

  80% confidence

• Retirement calculators overvalue Roth benefits by assuming overly long lifespans and giving extra weight to late-life compounding that statistically won't occur

  80% confidence

• Having everything in tax-free Roth accounts eliminates ability to utilize lower tax brackets and standard deduction in retirement

  80% confidence

• Penalty for missing RMD is up to 25% of the amount that should have been taken

  80% confidence

• Qualified Charitable Distributions allow RMDs to go directly to charity, bypassing tax return and controlling AGI

  80% confidence

• Roth conversions don't make sense for people planning to leave assets to charity since charities don't pay tax

  80% confidence

• HSAs are better for younger investors with long compounding periods, while Roth IRAs are better inheritance assets than HSAs

  80% confidence