medium · Certified Financial Planner Risk Management

In 2026, a 62-year-old participant in a 401(k) plan wishes to maximize her elective deferrals. Her prior-year FICA wages were $140,000.

What is her total permitted elective deferral limit for the year?

  1. 35,750, but the entire catch-up portion must be designated as Roth.
  2. 35,750
  3. 24,500
  4. 32,500

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