Over 50? Watch This — You’ll Catch Up on Your Retirement

🚨$250k+ household income and $500k+ assets...? You’re ready for a personalized plan! Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/

Want confidence that your retirement plan ACTUALLY works? Get it inside my Financial Harmony™ membership ($115/month) 👉 https://www.concurrentfp.com/financia...

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Over 50? Watch This — You’ll Catch Up on Your Retirement

Starting in 2026, if you earn $145,000 or more, your 401(k) catch-up contributions MUST go into a Roth - not pre-tax like before.

That’s not just a big tax change - it’s a huge opportunity for late starters in their 50s and early 60s.

If you’re between 50 and 63, this video walks you through the 5 exact steps to turn this new law into a retirement catch-up plan that works - even if you feel behind.

You’ll learn how to use super catch-ups (up to $34,750/year!), layer in Roth and brokerage savings, build a “retirement bridge” before Medicare or Social Security kicks in, and invest with confidence - not confusion.

Forget feeling late. This is your decade to win.

In this episode, Dr. Preston Cherry (Financial Planning Ph.D., CFP®, Top 10 Investopedia Advisor, and Founder of Concurrent Wealth Management) breaks down the 2025-2026 contribution limits, smart Roth planning, tax-efficient savings buckets, and how to actually retire on your terms.
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What You’ll Learn in This Video 👇
✅ The 2026 Roth catch-up rule for high earners (and why it matters)
✅ How to contribute up to $34,750/year - even if you’re starting late
✅ How to sequence savings across 401(k), Roth, HSA & brokerage
✅ Why tax diversification beats “just save more” in your 50s
✅ The “brokerage bridge” strategy to retire before Medicare
✅ How to smooth your income in early retirement without tax spikes
✅ How to build a 90-day and annual rhythm that compounds confidence

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Who Is This Video For?
📌 Gen X (50s - early 60s) professionals preparing for retirement
📌 High-income households earning $145K+
📌 Couples wondering if it’s “too late” to catch up
📌 Anyone confused by Roth rules, catch-ups, and tax strategy
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🚨 Gen X, older millennials & pre/early retirees, with $250k+ household income and $500k+ assets... Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/

Want clarity & control around your plan - without $6K+ annual advisor fees? Join my Financial Harmony™ membership for $115/month 👉 https://www.concurrentfp.com/financia...

Take the Gen X Retirement Readiness Quiz...📊 https://concurrentfp.typeform.com/gen...

👉 Subscribe for weekly, values-aligned wealth insights: @DrPrestonCherry

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Keywords linking to this topic:
401(k) catch-up rule 2026, Roth catch-up, Gen X retirement planning, SECURE Act 2.0, high income retirement strategies, Roth 401(k) for high earners, brokerage bridge retirement, tax diversification, retirement sequencing, retirement catch-up plan, Preston Cherry, Concurrent Wealth Management, fiduciary flat-fee planner, retirement clarity, tax planning over 50, financial rhythm, financial harmony, life money balance

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