Top Financial Changes for Pre-Retirees and Retirees in 2026 | Wealth Builders | Ep. 15

As 2026 begins, big financial changes are here for retirees and pre-retirees—are you ready? In this episode of WealthBuilders, Anthony Cangemi and co-host Tony Shore break down the most important updates that could impact your retirement strategy, including new Roth rules for high earners, expanded catch-up contribution limits, Medicare premium increases, a larger standard deduction, and shifting interest rates. They also dive into Social Security’s new earnings limit and cost-of-living adjustment, plus the generous estate tax exemption window that may soon sunset. Whether you're already retired or getting close, this episode offers practical, easy-to-follow guidance to help you make the most of 2026's new financial landscape.

Timestamps:
00:00 - Welcome to WealthBuilders
01:50 - A strong financial start to 2026
03:06 - Retirement plan catch-up contributions
03:59 - New Roth rules for high earners
05:40 - Roth conversions and tax planning
07:05 - Roth vs traditional accounts
08:08 - The "seed vs harvest" tax analogy
10:22 - 2026’s super catch-up for ages 60–63
12:24 - Social Security COLA and Medicare Part B changes
14:12 - Medicare planning and enrollment insights
16:00 - Expanded standard deduction in 2026
19:11 - $47,400 total deduction for many retirees
19:41 - Estate tax exemption and gifting strategies
21:40 - Interest rates and retirement cash buckets
23:37 - Social Security earnings limits explained
26:45 - Filing strategy and wrapping up

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