Did you know there are quiet little rule changes already in place for 2026 that could cost you real money over a 20–30 year retirement—or quietly save you a bundle—depending on how you plan?

In this HL4TMI Special Report, I walk through three changes that affect how you save, invest, and take money out in retirement starting in 2026. These aren’t headlines for tax nerds; they’re levers you can pull to lower your lifetime tax bill and gain more control over your income.

In this video, you’ll learn:

💰How “Roth‑only” catch‑up contributions for higher‑earning workers age 50+ will shift when you pay tax, and what that means for your paycheck and future Required Minimum Distributions (RMDs).

💰Why a higher SALT (state and local tax) deduction cap makes the timing of Roth conversions, capital gains, and charitable giving more important than ever—especially if you live in a high‑tax state.

💰How a new senior deduction quietly widens your “low‑tax runway,” creating room for smarter IRA withdrawals, partial Roth conversions, and portfolio rebalancing without jumping brackets.

💰The key questions to ask right now about your savings buckets (pre‑tax, Roth, and taxable), your state taxes, and your retirement income plan, so you’re not leaving money on the table.

If your current advisor hasn’t walked you through how these 2026 changes affect where your next dollar of savings goes—or the order in which you’ll tap accounts in retirement—you may have investment management, but you don’t have advanced planning.

I’m Patrick Huey, CFP®, owner of Victory Independent Planning and host of History Lessons for the Modern Investor.

If you’re 50+ and want to see how these specific rules apply to you, schedule a call:

Website: https://victoryindependentplanning.com/contact

Phone: (877) 234-8957.

We’ll map how these changes interact with your income, your state taxes, and your age so you can answer a simple question:

Am I on the right track, or am I leaving real money on the table?

tax changes in 2026, retirement income planning, tax planning for retirees, Roth catch‑up contributions, SALT deduction cap, senior tax deduction, Roth conversions, sources of retirement income, Patrick Huey CFP, History Lessons for the Modern Investor, Victory Independent Planning

#investing #investor #history #retirement #taxes #RothIRA #financialplanning

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