Health Insurance
Avoid IRMAA by Borrowing Instead of Selling: Securities-Based Lending for Retirees
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After 30 years in financial planning, I've seen the difference between clients who understand leverage and those who liquidate at the worst time. Most retirees' instinct...
Health Insurance
Permanently Avoid IRMAA Surcharges with Portfolio Asset Allocation Changes 2026
You have probably spent years obsessing over Asset Allocation—how much stock vs. bond exposure you have. That is important for growth. But in retirement, there is a silent killer...
Health Insurance
Capital Gains Spiking Your IRMAA? Use Tax-Loss Harvesting to Cut Medicare Costs (2026)
You’ve spent decades saving, only to find out that Medicare has a "success penalty." It’s called IRMAA (Income-Related Monthly Adjustment Amount), and it is a cliff. Go one dollar...
Health Insurance
IEP vs. SEP: Still Working at 65? Here’s Exactly When to Enroll in Medicare
You are 66, still working, and your HR director just told you: "Don't worry about Medicare, you're covered by our plan."
10% penalty on your Part B
Do not trust them.
Your...
Health Insurance
FEHB Retirees: Should You Enroll in Medicare Part B? (The Cost-Benefit Analysis)
If you are a federal retiree approaching age 65, your mailbox is likely full of Medicare flyers screaming about "permanent penalties" if you don't sign up immediately. Throw them...
Health Insurance
Medicare’s HSA 6-Month Rule & Lookback Trap: How to Avoid the Tax Penalty
You think you’re being responsible by working past 65 and maxing out your Health Savings Account (HSA). A strategy often favored by financially savvy individuals like yourself. The IRS...