IRAs
Should You Pay IRMAA to Do a Roth Conversion? Run These 3 Calculations First
For years, I've seen the same advice echoed in online forums and even from financial professionals: "Avoid triggering IRMAA at all costs." It’s treated as the third rail of...
Retirement Income Strategies
Should You Delay Social Security to Avoid IRMAA? The Math on Claiming at 62 vs. 70
It is the single most debated question in retirement planning: When should you claim Social Security? For decades, the conventional wisdom has been simple: if you can afford to,...
Health Insurance
7 IRMAA Mistakes Even the Best CPAs Can Make
Let me start with this: I have immense respect for Certified Public Accountants. A great CPA is a master of the tax code, a historian of your financial past....
Health Insurance
Federal Retirees: How TSP Withdrawals Trigger IRMAA (+ FEHB Guide)
For 30 years, you did everything right. As a federal employee you contributed diligently to your Thrift Savings Plan (TSP), you built up your FERS or CSRS pension. And...
Health Insurance
IRMAA After Divorce or Death of Spouse: Your Appeal Rights Explained
The letter arrives when you’re least prepared for another crisis. Months after a divorce was finalized, or just as you’re navigating the grief of losing your spouse, a notice...
Health Insurance
The 99% Mistake: IRMAA Married Filing Separately (And the 1% Fix)
Got that shocking IRMAA determination letter? Before you do anything else, read this.
Every year, thousands of retirees see that massive Medicare premium surcharge and make a panic-driven, and costly, mistake. They immediately assume it's...