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An infographic designed for a financial advisor blog, illustrating the shift in 401(k) catch-up contributions for high earners under the SECURE 2.0 Act in 2026. The image features a clean vector style in shades of blue and green with gold accents. The left side, labeled 'Before 2026: Pre-Tax Advantage,' uses a simple diagram to show catch-up contributions flowing directly to a deduction on a 1040 tax form, representing immediate tax savings for a professional over age 50. The right side, labeled '2026 MANDATE: The Roth Pivot (W-2 over $150k),' shows a distinct change. After a FICA wage check verifies the $150,000 threshold, the catch-up contributions are routed into a separate 'Roth 401(k) Bucket' rather than the main pre-tax 401(k) account. Arrows emphasize 'Tax-Free Growth' within the Roth account. A side-by-side table compares the 2025 and 2026 contribution limits, clearly identifying the 'Mandatory Roth' requirement for catch-up contributions. The overall infographic title is 'The $150K Catch-Up Rule: How High Earners Must Adjust Their 401(k) Strategy.' A small, professional 'Ryan Peca, Wealth Advisor' credential is visible at the bottom.

The $150K Catch-Up Rule: 401(k) Changes for High Earners (2026)

If you are a high-earning professional over the age of 50, you are likely used to a specific year-end ritual: maxing out your 401(k) andRead More »
May 26, 20260 Posted in401k/Rollover Questions
A collage showing a student in a graduation cap, a pilot in a cockpit, and a technician with tools, all connected to a 529 savings plan icon.

Beyond Tuition: Using 529s for CPA Exams, Pilot Licenses, and Trade Skills

For years, the 529 plan was seen as the "University Bucket." If your child didn't want a four-year degree, many parents worried the money wouldRead More »
May 18, 20260 Posted inEducational Savings Plans/Options, Uncategorized
A financial illustration showing the process of unlocking 529 funds for a Roth IRA rollover in 2026. A locked safe labeled "529: Limited to Education" is being opened with a key. The funds flow tax-free to a thriving Roth IRA tree. Callout text highlights the $35,000 lifetime cap, the 15-year account requirement, and a Chicago skyline backdrop, branded ryanpeca.com.

No More “Trapped” 529 Funds: The 2026 Guide to Roth IRA Rollovers

One of the most common hesitations I hear from parents in the Chicago suburbs is the "What If" fear: "What if I save too muchRead More »
May 11, 20260 Posted inEducational Savings Plans/Options, Uncategorized
Financial chart titled "The $20,000 K-12 Hack," showing a cash flow arrow breaking through the old $10,000 federal limit to the new $20,000 limit per student for 2026. Icons illustrate new eligible expenses like ACT/SAT prep and educational therapies.

The $20,000 K–12 Hack: Using Your 529 for Chicago Private Schools in 2026

In Chicago, where elite private school tuition can easily exceed the cost of a state university, the tax-efficiency of your savings strategy is paramount. AsRead More »
May 4, 20260 Posted inEducational Savings Plans/Options
529B vs. Trump Account

529 vs. Trump Account: Which “Tax-Free” Bucket Should You Fill First?

As a fiduciary financial advisor, the question I am asked most often this quarter is: "Where should I put the next dollar for my child'sRead More »
April 27, 20260Tags: Posted inEducational Savings Plans/Options
Trump Account Information

The “Trump Account” Era: How the New 530A Account Changes Saving for Your Kids

For decades, the "gold standard" for saving for a child’s future was the 529 plan. But as we move into the second half of 2026,Read More »
April 20, 20260Tags: Posted inEducational Savings Plans/Options
The 2026 Guide to Social Security - When should you claim?

The 2026 Guide to Social Security: Should You Claim at 62, 67, or 70?

One of the most important financial decisions you’ll make in retirement isn’t about investments — it’s about when to claim Social Security.The difference between claimingRead More »
April 6, 20260 Posted inSocial Security
The Stealth Retirement Account

The “Stealth” Retirement Account: Maximizing Your HSA for Long-Term Growth

When most people think about retirement accounts, they think of 401(k)s and IRAs.But there’s a lesser-known, highly powerful tool that many investors overlook: the HealthRead More »
March 30, 20260Tags: Posted inFinancial Advisor Questions
Where to park your cash in 2026

Where to Park Your Cash in 2026: High-Yield Savings, CDs, or Bonds?

In 2026, cash is no longer just "idle money." With shifting interest rates, inflation pressure, and market uncertainty, how you store and deploy your cashRead More »
March 23, 20260 Posted inFinancial Advisor Questions, Inflation in Retirement, Laws/Rules
The great wealth transfer guide

The Great Wealth Transfer: A Guide to Managing and Investing an Inheritance

We are living through what many experts call The Great Wealth Transfer—the largest transfer of wealth in history. Over the coming decades, trillions of dollarsRead More »
March 16, 20261 Posted inInflation in Retirement, Laws/Rules, Uncategorized
Navigating the 2026 Tax Changes

Navigating the 2026 Tax Landscape: Surviving the Sunset of the Tax Cuts and Jobs Act (TCJA)

The year 2026 marks a major turning point in U.S. tax policy as key provisions of the Tax Cuts and Jobs Act (TCJA) officially sunset.Read More »
March 9, 20260 Posted inInflation in Retirement, Laws/Rules
Modern FIRE: A Path to Freedom

The FIRE Movement Is Evolving — What Modern Financial Independence Looks Like in 2026

The FIRE movement — Financial Independence, Retire Early — started as a radical idea: save aggressively, invest heavily, and exit the workforce decades earlier thanRead More »
March 2, 20260 Posted inFinancial Advisor Questions
AI and Tools shaping retirement planning

AI, Tools, and Retirement DIY: How Technology is Changing Personal Financial Planning in 2026

Technology is transforming nearly every aspect of our lives — and financial planning is no exception.From AI-powered budgeting apps to robo-advisors and retirement modeling tools,Read More »
February 23, 20260 Posted inFinancial Advisor Questions
Lifetime income options for retirement

Why Lifetime Income Options Are the Next Big Thing in 401(k) and Retirement Plans

For decades, retirement planning focused almost entirely on accumulation — saving more, investing wisely, and growing your nest egg. But today, the conversation is shifting.TheRead More »
February 16, 20260 Posted inFinancial Advisor Questions
Smart Retirement Tips with Uncle Sam

How to Pay Less to Uncle Sam in Retirement: Tax-Efficient Withdrawal Strategies That Save Thousands

Retirement isn’t just about how much you’ve saved — it’s about how much you get to keep.Many retirees are shocked to discover that poor withdrawalRead More »
February 9, 20260 Posted inFinancial Advisor Questions
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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Ryan Peca to provide information on a topic that may be of interest.  The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Global View Capital Management (GVCM) is an affiliate of Global View Capital Advisors (GVCA). GVCM is a SEC Registered Investment Advisory firm headquartered at N14W23833 Stone Ridge Drive, Suite 350, Waukesha, WI 53188-1126. 262.650.1030. Ryan Peca is an Investment Adviser Representative (“Adviser”) with GVCM. Additional information can be found at www.adviserinfo.sec.gov If an Insurance Agent of GVCI: Global View Capital Insurance Services (GVCI) is an affiliate of Global View Capital Advisors (GVCA). GVCI services offered through Experior Financial Group, ASH Brokerage, and/or PKS Financial. GVCI is headquartered at N14W23833 Stone Ridge Drive, Suite 350, Waukesha, WI 53188-1126. 262-650-1030. Ryan Peca is an Insurance Agent of GVCI.

The opinions shared here do not necessarily represent the view of GVCM or any of its affiliates.