---
title: 2026 Tax Planning & OBBBA Updates | Hance Financial
description: Discover how the One Big Beautiful Bill Act (OBBBA) reshapes tax planning for 2026 with Hance Financial's strategic roadmap and optimized wealth management strategies.
---

[The Confidence Compass | Retirement Planning Education from Hance Financial ](https://www.hancefinancial.net/blog)

# [2026 Tax Planning & OBBBA Updates | Hance Financial](https://www.hancefinancial.net/blog/2026-tax-planning-obbba-updates-hance-financial)

 Written by [John Hance, CFP®, ChFC®, CLU®](https://www.hancefinancial.net/blog/author/john-hance-cfp-chfc-clu) | Mar 13, 2026 4:42:18 PM

2026 Strategic Update

# The 2026 Tax Landscape: Navigating the "OBBBA"

The tax code hasn't just changed—it has been re-engineered. With the One Big Beautiful Bill Act (OBBBA) in effect, your strategy requires a Deterministic Roadmap.

## The Hance Pillar Approach to Taxes

### Pillar 1: Deduction Optimization

With standard deductions at **$32,200 (MJF)** and a new **$40,000 SALT cap**, we determine the most efficient filing path for your household.

### Pillar 2: Strategic Wealth Buckets

Maximize 401(k) limits **($24,500)** and aged 60–63 catch-ups **($35,750)** by prioritizing the right tax buckets (Roth vs. Traditional).

### Pillar 3: Estate & Legacy Certainty

With a permanent **$15M exemption**, we ensure your legacy is protected under the new thresholds in coordination with your legal team.

## Critical 2026 Quick-Reference & RMD Table

| Category | 2026 Baseline |
| --- | --- |
| Standard Deduction | $32,200 (Joint) / $16,100 (Single) |
| Senior Bonus (65+) | +$12,000 (Joint) / +$6,000 (Single) |
| RMD Starting Age | 73 (Increases to 75 in 2033) |
| IRA Limits | $7,500 ($8,600 for age 50+) |

### 2026 Uniform Lifetime Table

| Age | Divisor | Age | Divisor | Age | Divisor |
| --- | --- | --- | --- | --- | --- |
| 73 | 26.5 | 83 | 17.7 | 93 | 10.1 |
| 74 | 25.5 | 84 | 16.8 | 94 | 9.5 |
| 75 | 24.6 | 85 | 16.0 | 95 | 8.9 |
| 76 | 23.7 | 86 | 15.2 | 96 | 8.4 |
| 77 | 22.9 | 87 | 14.4 | 97 | 7.8 |
| 78 | 22.0 | 88 | 13.7 | 98 | 7.3 |
| 79 | 21.1 | 89 | 12.9 | 99 | 6.8 |
| 80 | 20.2 | 90 | 12.2 | 100 | 6.4 |
| 81 | 19.4 | 91 | 11.5 |   |  |
| 82 | 18.5 | 92 | 10.8 |   |  |

## Retire with Confidence. Get Your 2026 Tax Guide.

[Download Full Tax Planning Guide](https://www.hancefinancial.net/hubfs/Marketing/compliance%20%3E%20Drafts/Hance%20Tax%20Planning%20Guide%202026.pdf)

[View full post](https://www.hancefinancial.net/blog/2026-tax-planning-obbba-updates-hance-financial)

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