🎥 Watch this 4-minute video to learn about a limited-time opportunity that could strengthen your retirement strategy in 2025:

If you’re like many people nearing retirement, especially between the ages of 60 and 63, you might be wondering:
“Have I saved enough?”
“Is there anything else I should be doing before I retire?”

At Richmond Brothers, we help people in this season of life navigate complex financial decisions with clarity. Some are preparing to retire next month, while others are still a few years out and want to make the most of every opportunity—including new rules that go into effect in 2025.

That’s where the new super catch-up contribution comes in.

What Is the Super Catch-Up Contribution?

Starting in 2025, if you’ll be age 60, 61, 62, or 63 during the calendar year, you may be eligible to make an extra retirement contribution to your employer-sponsored plan, such as a 401(k), 403(b), or 457(b).

Here’s how it breaks down:

• Base retirement contribution limit in 2025: $23,500
• Standard catch-up contribution (age 50+): $7,500
  • Bringing your potential total contribution to $31,000 in one year
• Super catch-up contribution (ages 60–63 only): $11,250
  👉 This brings your potential total contribution to $34,750 in one year

Even if your 60th birthday is on December 31, you qualify for the full amount that year.

This change does not apply to IRAs, and it’s optional—your employer’s plan must offer it.

What’s the Catch?

If you earned more than $145,000 in the previous year, your super catch-up contribution must be made as a Roth contribution. That means:

• Your plan must allow Roth catch-up contributions
• If it doesn’t, you might not be able to take advantage of this rule at all

That’s why it’s so important to check with your plan provider or HR team early and start planning with a trusted advisor.

Why This Matters for Retirement Planning at Ages 60–63

This retirement savings boost is one of the most age-specific strategies we’ve seen in years—and it may only be available during this brief 4-year window. With rising costs and market volatility, having additional flexibility could make a real difference in your retirement confidence.

Want to See How This Fits Into Your Bigger Strategy?

We believe financial advice shouldn’t feel like a sales pitch. Our job is to ask the right questions, help you understand your options, and guide you toward retirement decisions you feel good about.

✅ If you’re turning 60–63 in 2025, or helping a loved one who is, this opportunity could be worth exploring.

👉 Reach out to us at 517-435-4040 or questions@richmondbrothers.com to schedule a 15-minute phone call and take the next step.

At Richmond Brothers, our purpose is to empower clients to live fearlessly into and beyond retirement.
That means we don’t just help you make financial decisions—we help you make confident ones.

Source: IRAHelp.com – 12 Super Catch-Up Contribution Questions Answered