2026 Annual Limits Guide for Families with Special Needs
Each year, updated financial planning limits quietly shape many of the decisions behind a strong financial plan—from how much you can save and invest to which tax strategies and benefits are available to you.
For 2026, several contribution thresholds, income caps, and benefit limits have changed. While these updates may seem incremental, they often influence far more than expected: retirement contributions, tax efficiency, education and ABLE planning, Social Security benefits, and long-term planning for those you care about—including loved ones with special needs.
Understanding these numbers isn’t just about staying informed. It’s about recognizing opportunities, avoiding unintended constraints, and ensuring your financial plan continues to reflect your goals, your family, and the life you’re building.
Below, we’ve highlighted key 2026 limits and how they fit into the bigger picture of thoughtful, forward-looking planning.
Key 2026 Financial Planning Limits (At a Glance)
Rather than listing every figure in isolation, we encourage viewing these numbers as part of a bigger picture—one that connects savings, taxes, benefits, estate planning, and long-term care.
How to Use These Updates in Your Planning
- As you review the 2026 limits, consider asking:
- Are we maximizing the opportunities available under the new thresholds?Have our goals, income, or family needs changed since last year?Are we coordinating our retirement, tax, and estate strategies—or treating them separately?
- For families with special needs: Are we aligning public benefits, private resources, and long-term care planning effectively?
A financial plan should evolve alongside your life. Annual updates like these provide a natural moment to pause, reflect, and make thoughtful adjustments.
Download the 2026 Financial Planning Guide
For your convenience, we’ve created a complimentary 2026 Annual Limits Guide that brings all updated figures together in one clear, printable resource.
Whether you’re planning for retirement, optimizing tax strategies, or preparing for the future of a loved one, this guide is designed to be easy to reference, save, and share.
→ View or Download the 2026 Annual Limits Guide
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Need Help Applying These Numbers to Your Plan?
Understanding the numbers is one thing—knowing how they apply to your specific situation is another.
If you’d like to explore how the 2026 updates could impact your financial plan, your business, or your family’s long-term goals, we’re here to help you think through the possibilities with clarity and intention.
Thoughtful planning starts with informed decisions—and meaningful conversations.
*The foregoing content reflects the opinions of Van Hulzen Asset Management DBA "Van Hulzen Financial Advisors" and is subject to change at any time without notice. Content provided herein is for information-al purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that the statements, opinions or forecasts provided herein will prove to be correct. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful. Van Hulzen Asset Management is an investment advisory firm registered with the Securities and Exchange Commission (“SEC”). SEC registration does not imply a certain level of skill and or expertise. Van Hulzen Asset Management does not provide tax advice, please consult your tax professional for any specific tax related questions.