Dr. Jackie Meyer walks through the 2025 contribution limits, deadlines, and actual tax savings for three retirement accounts that are still in play before the filing deadline.
HSA limits for 2025 are $4,310 for self-only and $8,550 for family coverage, with a $1,000 catch-up for anyone 55 or older. Deadline is April 15, 2026. Maxing a family HSA at a 32% effective rate produces $2,736 in tax savings on money that also grows completely tax-free.
SEP IRA contributions go up to 25% of net self-employment income with a $70,000 max for 2025. The deadline stretches to the filing date plus extensions, giving self-employed clients until fall if they need it. At a 37% marginal rate, a full $70K contribution saves $25,900.
Solo 401k employee deferrals were capped at $23,500, with a $7,500 catch-up for ages 50 to 59 and 64 and older. SECURE 2.0 introduced a super catch-up contribution of $11,250 for ages 60 to 63 specifically. Employee deferrals had a December 31st deadline, but employer profit sharing contributions go to the filing deadline — so that window is still open.
This is a clip from the full OBBBA webinar. Watch the recording here: https://www.taxplaniq.com/obbba-changed-everything-about-2025-returns-heres-what-you-need-to-know-before-april-15-recording
Drop your questions in the comments.
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