Federal Employee Service Association - FESA

Like Todd from Ohio, we can also help you understand your benefits! Contact us at (512) 687-6202 or email [email protected]
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Like Janet P. from California, we can also help you understand your benefits! Contact us at (512) 687-6202 or email [email protected]
Visit GoFESA.com for more information

There’s still time for ‘super catch-up’ 401(k) contributions for 2025 — here’s who benefits

For 2025, you can defer up to $23,500 into your 401(k), and workers age 50 and older can make an extra $7,500 in catch-up contributions.

Starting this year, workers age 60 to 63 can make “super catch-up” contributions, which increases that limit to $11,250.

But most workers aren’t maxing out 401(k) plans or making regular catch-up contributions, Vanguard data shows.

https://www.cnbc.com/2025/09/10/super-catch-up-401k-contributions-2025.html

Treasury, IRS finalize rule for 401(k) catch-up contributions. What it means for higher earners

The IRS and U.S. Department of the Treasury finalized a Secure 2.0 rule for catch-up contributions for 401(k) and other plans, which apply to workers age 50 and older.

Starting in 2027, catch-up contributions generally must be Roth, rather than pretax, for workers who made more than $145,000 from their current employer during the previous year. But some plans could make the change in 2026.

This change could offer planning opportunities in the meantime, financial experts say.

https://www.cnbc.com/2025/09/18/treasury-irs-finalize-rule-401k-catch-up-contributions.html

The milestone ages that matter most for retirement planning

From catch-up contributions to required distributions, federal employees face key ages that can shape retirement income, benefits and tax planning.

https://www.govexec.com/pay-benefits/2025/09/milestone-ages-matter-most-retirement-planning/407874/?oref=ge-category-lander-river