The Benefits Decisions to Put on Your 2026 Calendar
David RileyAssign owners, review dates and completion evidence for reporting, payroll, enrollment and plan oversight. Separate required work from optional benefit changes.
About David Riley
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Higher Earners: Prepare for Roth Catch-Ups in 2026
David RileyReview the 2026 limits, $150,000 prior-year employer-wage threshold and plan instructions. Compare the current cash-flow effect of required Roth catch-ups.
Year-End Deferred-Compensation Elections Need More Than a Signature
David RileyReview deferred-pay elections before year-end. Understand service periods, payment terms and why a timely signature may not complete the process.
Finish Year-End Giving With the Right Records
David RileyMatch cash, securities and IRA gifts with completion evidence and acknowledgments. Keep QCD exclusions separate from deductions and 2026 rule changes.
Roth Conversions After the 2025 Tax Changes
David RileyCompare conversion amounts after the 2025 changes. Include the senior deduction phaseout, tax-payment cash, later Medicare effects and completion rules.
Share Your Wishes Before You Share Your Wealth
David RileyDiscuss giving goals and family expectations without sharing every balance. Align your wishes with legal documents and beneficiary records.
Before Your Solo 401(k) Business Adds an Employee
David RileyReview employee eligibility, related employers, contribution costs, provider capability and reporting before an owner-only business adds staff.
A Holiday Spending Plan for Retirees
David RileyConnect holiday gifts and travel to retirement income, available cash and planned withdrawals. Close a budget gap and account for taxes before spending.
Prepare for Roth Catch-Up Payroll in 2026
David RileyPrepare wage records, Roth features, employee communications and payroll tests for 2026. Separate statutory timing from later regulatory applicability.
Check RMDs Before the Year-End Rush
David RileyMatch required withdrawals with the right accounts. Review IRA aggregation, separate workplace-plan obligations, inherited accounts and completion records.
