System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-09-25. Jurisdiction: US.
The client, age 47, participates in her employer's 401(k). What is the 2026 elective deferral limit that applies to her (no catch-up), and what IRS source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-09-12. Jurisdiction: US.
A client of mine turns 54 this year and wants to add the regular age-50 catch-up to his 401(k) deferrals for 2026. What is the catch-up amount (the regular one, not the age-60-63 tier), and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-11-08. Jurisdiction: US, filing status mfj.
My client, age 33, files jointly with household W-2 income of $173,000; both spouses are covered by workplace plans. What is the maximum she may contribute to her traditional IRA for 2026 (contribution limit only — deductibility is not the question), and what IRS source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-07-12. Jurisdiction: US, filing status mfj.
A client of mine, age 48, files jointly with household W-2 income of $128,000; both spouses are covered by workplace plans. What is the maximum she may contribute to her traditional IRA for 2026 (contribution limit only — deductibility is not the question), and what IRS source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-03-01. Jurisdiction: US, filing status mfj.
My client, age 36, files jointly with household W-2 income of $134,000; both spouses are covered by workplace plans. What is the maximum she may contribute to her traditional IRA for 2026 (contribution limit only — deductibility is not the question), and what IRS source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-11-22. Jurisdiction: US.
My client, age 47, works for a small employer with a standard SIMPLE IRA plan (no special elections). What is the maximum employee salary-reduction contribution she can make for 2026, and what IRS source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-08-24. Jurisdiction: US.
One of my clients, age 57, participates in a standard SIMPLE IRA. What regular age-50 catch-up contribution may he add for 2026 (not the age-60-63 tier), and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-06-03. Jurisdiction: US.
A client of mine, age 54, participates in a standard SIMPLE IRA. What regular age-50 catch-up contribution may he add for 2026 (not the age-60-63 tier), and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-06-08. Jurisdiction: US.
The client, age 30, has a 401(k) that allows after-tax contributions. Combining employee deferrals, employer contributions, and after-tax contributions, what is the overall IRC 415(c) annual additions limit for 2026 (excluding catch-ups), and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-11-28. Jurisdiction: US.
The client, age 39, has a 401(k) that allows after-tax contributions. Combining employee deferrals, employer contributions, and after-tax contributions, what is the overall IRC 415(c) annual additions limit for 2026 (excluding catch-ups), and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-09-01. Jurisdiction: US.
One of my clients, age 36, has a 401(k) that allows after-tax contributions. Combining employee deferrals, employer contributions, and after-tax contributions, what is the overall IRC 415(c) annual additions limit for 2026 (excluding catch-ups), and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-11-07. Jurisdiction: US.
A client of mine earns $422,000 and participates in her employer's profit-sharing plan. What is the IRC 401(a)(17) annual compensation limit the plan may take into account for 2026, and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-02-14. Jurisdiction: US.
The client earns $507,000 and participates in her employer's profit-sharing plan. What is the IRC 401(a)(17) annual compensation limit the plan may take into account for 2026, and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-05-04. Jurisdiction: US.
The client is an officer of a small company sponsoring a 401(k) and the plan is testing top-heavy status. What is the key-employee officer compensation threshold for 2026, and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-04-18. Jurisdiction: US, filing status single.
My client, age 38, is enrolled all year in a self-only high-deductible health plan and is HSA-eligible. What is her maximum HSA contribution for 2026, and what IRS source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-10-07. Jurisdiction: US, filing status mfj.
Spouses aged 45 and 42 are enrolled all year in a family high-deductible health plan; both are HSA-eligible and both are under 55. What is the maximum total HSA contribution their family may make for 2026, and what IRS source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-01-28. Jurisdiction: US, filing status mfj.
Spouses aged 41 and 40 are enrolled all year in a family high-deductible health plan; both are HSA-eligible and both are under 55. What is the maximum total HSA contribution their family may make for 2026, and what IRS source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-02-09. Jurisdiction: US.
One of my clients is choosing a health plan and wants HSA eligibility. What is the minimum annual deductible a self-only plan must have to qualify as an HDHP for 2026, and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-02-02. Jurisdiction: US.
My client's family HDHP is being checked for HSA qualification. What is the maximum annual out-of-pocket limit a family HDHP may have for 2026, and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-07-06. Jurisdiction: US.
My client's family HDHP is being checked for HSA qualification. What is the maximum annual out-of-pocket limit a family HDHP may have for 2026, and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-06-14. Jurisdiction: US.
One of my clients works part-time and wants to make sure she earns all four Social Security credits this year. How much must she earn per quarter of coverage in 2026, and what source establishes that amount?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-12-05. Jurisdiction: US.
A client of mine works part-time and wants to make sure she earns all four Social Security credits this year. How much must she earn per quarter of coverage in 2026, and what source establishes that amount?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-12-02. Jurisdiction: US.
My client, age 68, is enrolled in Medicare Part B with income below any IRMAA threshold. What is the standard monthly Part B premium for 2026, and what source establishes it?

2026 Medicare Parts A & B Premiums and Deductibles (fact sheet)

2026 Medicare Parts A & B Premiums and Deductibles (fact sheet)


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-06-18. Jurisdiction: US.
One of my clients is budgeting Medicare costs for the year. What is the annual Medicare Part B deductible for 2026, and what source establishes it?

2026 Medicare Parts A & B Premiums and Deductibles (fact sheet)


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-01-22. Jurisdiction: US.
The client is budgeting Medicare costs for the year. What is the annual Medicare Part B deductible for 2026, and what source establishes it?

2026 Medicare Parts A & B Premiums and Deductibles (fact sheet)


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-09-05. Jurisdiction: US.
One of my clients is budgeting Medicare costs for the year. What is the annual Medicare Part B deductible for 2026, and what source establishes it?

2026 Medicare Parts A & B Premiums and Deductibles (fact sheet)


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-05-28. Jurisdiction: US.
My client is budgeting Medicare costs for the year. What is the annual Medicare Part B deductible for 2026, and what source establishes it?

2026 Medicare Parts A & B Premiums and Deductibles (fact sheet)


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-07-06. Jurisdiction: US, filing status single.
One of my clients, age 41, single, not blind, takes the standard deduction. What is the single-filer standard deduction for tax year 2026, and what source establishes it?

Rev. Proc. 2024-40 amount superseded by OBBBA §70102


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-05-14. Jurisdiction: US.
My client is a widow with a $12 million net worth asking about estate planning. What is the federal estate tax basic exclusion amount for a person dying in 2026, and what source establishes it? Be precise about the 2026 amount specifically.

approximate TCJA-sunset figure; sunset repealed by OBBBA

reverts to
sunsets after 2025 the
cut roughly in half for 2026

TCJA sunset asserted as effective; repealed by OBBBA


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-02-10. Jurisdiction: US.
My client is a widow with a $12 million net worth asking about estate planning. What is the federal estate tax basic exclusion amount for a person dying in 2026, and what source establishes it? Be precise about the 2026 amount specifically.

approximate TCJA-sunset figure; sunset repealed by OBBBA

reverts to
sunsets after 2025 the
cut roughly in half for 2026

TCJA sunset asserted as effective; repealed by OBBBA


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-01-07. Jurisdiction: US.
A client of mine is enrolling in her employer's health FSA at open enrollment. What is the maximum health FSA salary-reduction contribution for 2026, and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-04-20. Jurisdiction: US.
A client of mine is enrolling in her employer's health FSA at open enrollment. What is the maximum health FSA salary-reduction contribution for 2026, and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-10-09. Jurisdiction: US.
The client is enrolling in her employer's health FSA at open enrollment. What is the maximum health FSA salary-reduction contribution for 2026, and what source establishes it?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-03-06. Jurisdiction: US.
My client wants to front-load a grandchild's 529 with five years of gifts at once using the 5-year election, as a single filer without gift-splitting. What is the maximum 2026 superfunding amount per beneficiary, and how is it derived (with source)?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. State every regulatory figure you rely on, with its value and the source document that establishes it. Be concise but complete; if you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-08-04. Jurisdiction: US.
My client wants to front-load a grandchild's 529 with five years of gifts at once using the 5-year election, as a single filer without gift-splitting. What is the maximum 2026 superfunding amount per beneficiary, and how is it derived (with source)?


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-03-04. Jurisdiction: US, filing status mfj.
Client, age 35, married filing jointly, no IRA contributions yet this year. Expected 2026 MAGI is exactly $220,000. Can the client contribute the FULL amount directly to a Roth IRA for 2026? State the applicable phase-out range with its source.


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-08-27. Jurisdiction: US, filing status mfj.
Both clients are 68 and enrolled in Medicare Part B, filing jointly. Projected 2026 MAGI is $206,000 before a planned $30,000 Roth conversion this year. Walk through exactly what the conversion does to their Medicare costs and WHEN, identifying the threshold effect, the first-tier boundary you rely on (current 2026 table as reference), and its source.

CMS 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet)

cliff
step
full surcharge
entire tier
by any amount
one dollar
$1 over

premiums rise in 2026
premiums increase in 2026
2026 premiums will increase

CMS 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet)


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-02-14. Jurisdiction: US, filing status mfj.
Both clients are 65 and enrolled in Medicare Part B, filing jointly. Projected 2026 MAGI is $207,000 before a planned $35,000 Roth conversion this year. Walk through exactly what the conversion does to their Medicare costs and WHEN, identifying the threshold effect, the first-tier boundary you rely on (current 2026 table as reference), and its source.

CMS 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet)

cliff
step
full surcharge
entire tier
by any amount
one dollar
$1 over

premiums rise in 2026
premiums increase in 2026
2026 premiums will increase


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-05-16. Jurisdiction: US, filing status single.
Client is 65, single, enrolled in Medicare Part B. Projected 2026 MAGI is $104,000 before a planned $45,000 Roth conversion this year. Walk through exactly what the conversion does to their Medicare costs and WHEN, identifying the threshold effect, the first-tier boundary you rely on (current 2026 table as reference), and its source.

CMS 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet)

cliff
step
full surcharge
entire tier
by any amount
one dollar
$1 over

premiums rise in 2026
premiums increase in 2026
2026 premiums will increase


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-01-25. Jurisdiction: US, filing status single.
Client is 65, single, enrolled in Medicare Part B. Projected 2026 MAGI is $102,000 before a planned $20,000 Roth conversion this year. Walk through exactly what the conversion does to their Medicare costs and WHEN, identifying the threshold effect, the first-tier boundary you rely on (current 2026 table as reference), and its source.

CMS 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet)

cliff
step
full surcharge
entire tier
by any amount
one dollar
$1 over

premiums rise in 2026
premiums increase in 2026
2026 premiums will increase


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-02-08. Jurisdiction: US, filing status single.
Client is a single filer. 2026 wages are $180,000 with $10,000 of net investment income so far, and a planned additional $25,000 long-term capital gain in December. How much Net Investment Income Tax will be owed for 2026, and how is it computed? State the threshold you use and its source.


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-07-05. Jurisdiction: US, filing status single.
Client is a single filer. 2026 wages are $175,000 with $15,000 of net investment income so far, and a planned additional $30,000 long-term capital gain in December. How much Net Investment Income Tax will be owed for 2026, and how is it computed? State the threshold you use and its source.


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-08-09. Jurisdiction: US, filing status mfj.
Clients file jointly. 2026 wages are $230,000 with $20,000 of net investment income so far, and a planned additional $20,000 long-term capital gain in December. How much Net Investment Income Tax will be owed for 2026, and how is it computed? State the threshold you use and its source.


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-02-02. Jurisdiction: US.
An unmarried client with a $10,000,000 estate asks whether federal estate tax would be due if she died in 2026, with no prior taxable gifts. Answer, and state the 2026 basic exclusion amount with its source.

approximate TCJA-sunset figure; sunset repealed by OBBBA


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-02-09. Jurisdiction: US.
Client is 63, receiving Social Security retirement benefits, and reaches full retirement age in 2030. He will earn exactly $38,480 in wages in 2026. How much of his 2026 Social Security benefit will be withheld under the retirement earnings test? Show the computation and the exempt amount you rely on with its source.


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-09-09. Jurisdiction: US, filing status single.
A single filer will have exactly $170,000 of W-2 wages in 2026 and no other earned income. How much Additional Medicare Tax (the 0.9% tax) is owed for 2026? State the threshold and its source.


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-08-06. Jurisdiction: US, filing status mfj.
Spouses aged 44 and 42 are enrolled all year in a family HDHP; both are HSA-eligible. What is the maximum TOTAL the household may contribute across HSAs for 2026? Cite the source.


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-09-26. Jurisdiction: US, filing status mfj.
A married couple filing jointly, both contributing to their 401(k)s, will have 2026 AGI of exactly $71,500. Are they still within the AGI limit to claim any Saver's Credit for 2026? State the top MFJ AGI limit and its source.


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-08-16. Jurisdiction: US, filing status mfj.
A married couple filing jointly, both contributing to their 401(k)s, will have 2026 AGI of exactly $69,500. Are they still within the AGI limit to claim any Saver's Credit for 2026? State the top MFJ AGI limit and its source.


System: You are assisting a financial advisor. Answer for the stated as-of date and jurisdiction. Identify any threshold effects explicitly, state the figures you rely on with their sources, and be precise about timing. If you are uncertain about a figure, say so explicitly but still commit to your best answer.

As of 2026-01-20. Jurisdiction: US, filing status mfj.
A married couple filing jointly, both contributing to their 401(k)s, will have 2026 AGI of exactly $88,500. Are they within the AGI limit to claim any Saver's Credit for 2026? State the top MFJ AGI limit and its source.