Matt Calcagno, CFP®, CKA®
Hi. I'm Matt👋 I'm a Certified Financial Planner® here to help you retire early
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One Degree Advisors, Inc. (“One Degree Advisors”) is an SEC-registered investment advisor. Registration does not imply a certain level of skill or training. All content is for general informational and entertainment purposes only and is not intended to provide personalized investment, tax, or legal advice.
Client case studies featured in videos are adapted from actual financial plans and/or scenarios but have been modified for clarity and simplicity. Each plan is developed using specific client conversations, assumptions, and planning inputs that are not fully detailed in these videos. These illustrations should not be relied upon for personal decision making. Viewers should consult their own financial, tax, and legal advisors before making any financial decisions.
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Questions? matt@onedegreeadvisors.com
Matt Calcagno, CFP®, CKA®
🚨2026 Retirement Contribution Limits Just Released🚨
Key changes:
🔷IRA contribution: $7,500 (⬆️$500)
🔷IRA catch-up contribution: $1,100 (⬆️$100 - and the first increase in this amount in roughly 2 decades!)
🔷401k deferral: $24,500 (⬆️$1,000)
🔷401k “regular” catch-up: $8,000 (⬆️$500)
🔷401(k) “extra-mega-special-bonus catch-up” for 60-63 only: $11,250 (no change)
Full list of retirement account inflation-adjusted figures:
www.irs.gov/pub/irs-drop/n-25-67.pdf
3 weeks ago | [YT] | 2
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Matt Calcagno, CFP®, CKA®
S&P 500 predictions made at the end of 2023 for 2024:
- JP Morgan: 4200
- Morgan Stanley: 4500
- Bank of America: 5000
- Goldman Sachs: 5100
- Citi: 5100
S&P 500 as of today: 5,974
Your casual reminder that no one knows what the future holds.
11 months ago | [YT] | 9
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Matt Calcagno, CFP®, CKA®
I'm working on new resources to make early retirement planning easier for you. I’m thinking about creating resources for people who want to be their own advisor (DIY) or get a head start before deciding if they want to hire an advisor.
Which resources would help you most in building your retirement strategy? Please also comment below if there's anything else you'd like to see! Would want to pack this with massive value for you guys.
1 year ago | [YT] | 3
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Matt Calcagno, CFP®, CKA®
IRS announcing the official 2025 cost-of-living adjustments for retirement accounts.
Key numbers for 2025 include:
✅Max 401(k) deferral: $23,500 (⬆$500)
✅Max "Regular" 401(k) catch-up: $7,500 (-)
✅NEW max "Extra-Mega-Special-Bonus" Catch-up (age 60-63 ONLY): $11,250
✅Max IRA/Roth IRA contribution: $7,000 (-)
✅Max IRA/Roth IRA catch-up: $1,000 (-)
✅Max QCD: $108,000 (⬆$3,000)
✅Max SEP IRA contribution: $70,000 (⬆$1,000)
Notice available here: buff.ly/3YNy7zQ
1 year ago | [YT] | 5
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Matt Calcagno, CFP®, CKA®
Would you rather:
A: Spend your retirement years on adventure and experiences, but leave little behind to your family
B: Spend less of your retirement years on adventure and experiences, but leave a financial legacy that will really help family
Comment your thoughts below!
1 year ago | [YT] | 1
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Matt Calcagno, CFP®, CKA®
A big struggle nobody talks about is the struggle of transitioning from saving to spending.
How confident are you in making the switch to spending your savings when you retire?
1 year ago | [YT] | 5
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Matt Calcagno, CFP®, CKA®
Many people tell me they’ve worked past the 'point of diminishing returns' in their career and that's why they are considering early retirement.
Meaning, they aren't quite getting the same return in terms of quality of life for each year they work, and the more they trade their time for money, the less return they get at this point.
Do you feel like you’ve already hit that point, or are you still getting meaningful value out of your work?
1 year ago | [YT] | 3
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Matt Calcagno, CFP®, CKA®
What would be the first thing you'd do with your free time if you retired tomorrow?
1 year ago | [YT] | 1
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Matt Calcagno, CFP®, CKA®
If you could lower your lifetime tax bill by smoothing out your taxes early on in retirement, would you do it?
This is a common picture I see with those that retire early.
They have done any amazing job saving for retirement, and now they have an opportunity prior to Social Security and prior to Required Minimum Distributions to do some powerful tax planning....
This is where we find that Roth conversion sweet spot to help optimize your tax plan.
Are you planning to do any Roth conversions when you retire early?
1 year ago | [YT] | 3
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Matt Calcagno, CFP®, CKA®
What’s one piece of retirement advice you wish you’d known 10 years ago?
1 year ago | [YT] | 2
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