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The Gift That Keeps Giving: Catch-up Contribution Changes Effective in 2025

January 14, 2025 (4 min read)

As signed on December 29, 2022, the SECURE 2.0 Act contained provisions effective in successive years. One new feature starting in 2025 is the optional higher catch‑up contribution limit for participants who turn ages 60 through 63 during the year. These participants enjoy an expanded catch-up limit of $11,250, in addition to the regular salary deferral limit of $23,500. That permits this age group a top deferral of $34,750. Learn more about the impact on participants in other age groups, and when the IRS will require formal plan amendments.  

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