Sentia Wealth

Last week, some of our team traveled to Houston, Texas to host 401(k) enrollment meetings for our clients, helping employees better understand their retirement benefits and the options available to them through their plan.

While in town, the team also had the chance to experience a little of what Houston has to offer - including an Astros game and trying out some great local restaurants. ⚾

We always appreciate the opportunity to connect with employees face-to-face while helping companies support their team's financial futures!

We loved getting out and supporting a new local business today!✨
Congratulations to Detroit Klaws in Troy on their opening! We’re excited to see them join the community and wish them continued success. Go check them out!

Spreading a little holiday cheer 🎄
We loved stopping by and seeing the wonderful holiday spirit of one of our valued clients, Reggie Sehgal, as a small thank-you for their continued trust and partnership. Wishing everyone a happy and sweet holiday season!

We had a wonderful time celebrating the holiday season together at Capital Grill in Troy! It was a great evening filled with great food, good conversations, and even better company as we wrapped up a successful year at Sentia Wealth.

A special thank you to our Nationwide Regional Vice President, Zusel, for joining us and for your continued partnership and support throughout the year. We truly appreciate all you do for our team!

Wishing everyone a joyful holiday season and a happy, healthy New Year! 🎁🥂

🚀 Big News for Your 2026 Retirement Plans! 🚀

The IRS announced new contribution limits for 2026 in November, and there's a lot to look forward to! Here's a quick breakdown:

🔹 401(k), 403(b), 457 Plans & TSP: Contribution limit increased to $24,500 (up from $23,500 in 2025). If you're 50 or older, you can contribute up to $32,500 annually!

🔹 IRA Contributions: Limit increased to $7,500. Catch-up contributions for those 50 and older are now $1,100.

🔹 Roth IRA & Saver’s Credit: Income phase-out ranges have increased, making it easier to qualify and maximize your savings.

🔹 SIMPLE Accounts: Contribution limit up to $17,000, with higher limits for certain accounts.

🔹 Medicare Part B: Monthly premiums will rise to $202.90, impacting how much of your Social Security COLA you'll see.

Stay up-to-date with details about your retirement savings! For full details, check out Notice 2025-67 on the IRS website.

With most retirement accounts, once you reach age 73, you must begin taking required minimum distributions. Roth accounts are the exception. Withdrawal penalties may apply if you take the money before age 59½. Roth IRA distributions must meet a 5-year holding requirement and occur after the account holder reaches age 59½.



Sources:
IRS.gov, November 13, 2025
CNBC, November 17, 2025

Have you stopped to rethink your retirement strategy lately?

For individuals, that might mean asking: Am I investing enough today to create the future I want tomorrow?

For business owners, it could be: Is our current retirement plan really the best fit for our team—or is it time to explore a plan that offers better benefits, cost savings, and growth potential?

The decisions you make today shape the opportunities you (and your employees) will have tomorrow. Don’t leave it up to chance—review your retirement plan regularly and make sure it’s aligned with your goals.

👉 Whether you’re an individual investor or a business owner, it may be time to adjust your path forward.

Sentia Wealth was proud to sponsor the celebration of Cindy Stewart’s incredible career and retirement from the City of Troy. 💙 Nearly three decades of service, passion, and heart have left a lasting impact on the community.

Congratulations, Cindy — the legend has officially retired! 🎉

— Sentia Wealth

When it comes to offering a retirement plan, there’s no one-size-fits-all solution.

We help businesses design, launch, and manage retirement plans that fit their team, budget, and long-term goals—without the cookie-cutter approach.

And we’re here for the long haul:
✔ Ongoing reviews
✔ Proactive advice
✔ Support to help you get the most from your plan

📩 Ready to build a plan that works for your business and your people? Let’s talk.

For more information check out out most recent blog at https://www.sentiawealth.com/blog/why-partner-with-us-to-manage-your-retirement-plan

Introducing Olivia Pannecouk
Olivia Pannecouk is an Administrative Assistant at Sentia Wealth. A 2024 graduate of Rochester University, she is enthusiastic about beginning her professional career in the financial services industry. Olivia enjoys spending quality time with friends and family and makes it a priority to stay active. She is grateful for the opportunity to be part of the Sentia Wealth team and is excited to support both her colleagues and clients.

Introducing James Varnum!

James Varnum is an Enrollment & Education Specialist at Sentia Wealth Management. With 27 years of experience in the financial industry, including 11 years in a similar role at Nationwide Financial, James brings a wealth of knowledge and a passion for helping others prepare for retirement. In his free time, he enjoys spending time outdoors, fishing, and working on his homestead, where he and his family raise goats and chickens. James looks forward to guiding Sentia Wealth clients through every step of their retirement journey.