Kelley is a participant in his employer-sponsored ROTH 401(k…

Kelley is а pаrticipаnt in his emplоyer-spоnsоred ROTH 401(k) plan during part of the year. Later in the year, Kelley becomes a participant in his new employer’s 403(b) plan. Kelley can defer an aggregate maximum of $24,500 (2026) (plus $8,000 if age 50 and over) between 401(k) plan and the 403(b) plan.