In this episode, financial advisors Andrew Christopher, CFA®, MSF and Charlie Mattingly, CFP®, MBA from Leading Edge Financial Planning break down the upcoming IRS rules and regulations for 2026, specifically focusing on Southwest Airlines’ 401 (k) plan changes. They discuss the new Roth catch-up contribution options, the mechanisms for contributing up to 80% of income into the 401 (k), and the implications of NEC contributions being switched to Roth. They also provide practical advice for pilots on optimizing their retirement contributions under these new rules. Don’t miss this comprehensive overview to stay ahead of the financial game.
Timestamps
00:00 Introduction and Disclaimer
00:00 Overview of 2026 IRS Rules and Regulations
00:10 Roth Catch-Up Contributions Explained
01:29 New 401k Contribution Limits
03:59 Mechanics of Making Catch-Up Contributions
10:43 NEC Roth Contributions
13:36 80% Income Contribution Option
15:29 Conclusion and Contact Information
16:03 Legal Disclaimer
For personalized guidance, visit Leading Edge Financial Planning or reach out to our team anytime.
Connect with Charlie Mattingly
charlie@leadingedgeplanning.com 
865-240-2292
Connect with Andrew Christopher
andrew@leadingedgeplanning.com 901-664-3753
#PilotMoneyGuys #LeadingEdgePlanning #401kSavings #CatchUpContributions #FinancialPlanning #SWAPilots #PilotLife #PilotFamily #SWABenefits
Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk and there can be no assurance that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly in this video will be profitable, equal any corresponding indicated historical performance level(s), or be suitable for your portfolio. Moreover, you should not assume that any information or any corresponding discussions serves as the receipt of, or as a substitute for, personalized investment advice from Leading Edge Financial Planning personnel. The opinions expressed are those of Leading Edge Financial Planning and are subject to change at any time due to the changes in market or economic conditions.
