hard · Certified Financial Planner General Principles
Ms. Inoue, age 61, has earned 180,000 in FICA wages in the prior year. For 2026, she wishes to make the maximum possible catch-up contribution to her 401(k).
According to SECURE 2.0 and current parameters, which statement is true?
- Her maximum catch-up is 11,250 but she can only contribute if the plan passes the ADP test.
- She is ineligible for a catch-up contribution because she is an HCE.
- She may contribute 8,000 to either a pre-tax or Roth account.
- Her catch-up contribution is 11,250 and must be made to a Roth 401(k) account.
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