Who knows what the New Year will bring? There are, however, a few changes worth talking about.

Here’s the news:

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  • There are higher IRA income limits. If you have a 401(k) at work and you make tax-deferred contributions to an IRA and earn up to $62,000 ($99,000 for couples), you can defer paying income tax on IRA contributions up to $5,500 ($6,500 if 50 or older).
  • The pot is sweetened further: The income ceiling for saving money in a Roth IRA — the retirement vehicle where you contribute after-tax money, but can withdraw in retirement tax free — is being raised by $1,000, or $2,000 for couples. Next year, if you earn less than $118,000 ($186,000 for couples), you can contribute to a Roth.
  • While April is often a painful month from Uncle Sam, this year he does everyone a favor, as financial advisers who provide investment advice about 401(k) and IRA investments will legally be required to put the client’s interests first.

Janice Goldman, author of “Let’s Talk About Money: The Girlfriend’s Guide to Protecting Her ASSets,” says this change on advice rules is a big deal.

“It’s aimed at stopping the $17 billion a year the government claims investors waste in exorbitant fees,” she said. “Hopefully, advisers will stop putting their own interests in earning high commissions and fees over clients’ interests in obtaining the best investments at the lowest prices.”

CORRECTION: Janice Goldman wrote the book “Let’s Talk About Money: The Girlfriend’s Guide to Protecting Her ASSets.” An earlier version of this story misspelled her first name.