Don’t let surprise Medicare premiums consume your retirement savings.
IRMAA (Income Related Monthly Adjustment Amount) Planning
Don’t let unexpected Medicare premiums derail your retirement plans. IRMAA surcharges can significantly increase your Part B and D premiums. We assist you in planning withdrawals, Roth conversions, and optimal retirement timing to minimize or avoid these IRMAA charges.
Each year, more retirees, professionals, and business owners are facing IRMAA surcharges. Our retirement planning strategies incorporate Roth conversions, TFRA design, charitable giving, and systematic withdrawals to help you mitigate or completely avoid unnecessary Medicare costs.
Discover how effective retirement planning can help you reduce or avoid IRMAA surcharges.
Are you aware of the income thresholds that can trigger IRMAA surcharges on your Medicare Parts B and D premiums? Are your Roth conversions, RMDs, and capital gains coordinated in your plan to prevent unnecessary increases into higher IRMAA brackets? What proactive measures are you and your tax advisor implementing today to minimize unexpected Medicare premium increases in the future?
We provide scenario planning to illustrate IRMAA brackets based on your income, identify proactive Roth conversion windows—especially for new retirees and high earners—coordinate spousal income for two-income medical households, and conduct annual re-evaluations to make tax moves before each critical IRMAA calculation window. Additionally, we focus on Roth conversions and income structuring to lower your IRMAA impact, ensuring you review your projected income and avoid Medicare surcharges. Our comprehensive retirement plans include thorough IRMAA analysis.
Let’s discuss your options—before the IRMAA letter arrives.
Let's Check Your IRMAA Risk.