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Stop Worrying About 2026 Medicare Premiums. The Game Is Already Underway

You’ve spent decades planning, saving, and investing diligently. Now, on the cusp of retirement, you’re confronted with a penalty for your success: the Income-Related...

Stop Worrying About 2026 Medicare Premiums. The Game Is Already Underway

You’ve spent decades planning, saving, and investing diligently. Now, on the cusp of retirement, you’re confronted with a penalty for your success: the Income-Related...

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Stop Worrying About 2026 Medicare Premiums. The Game Is Already Underway

You’ve spent decades planning, saving, and investing diligently. Now, on the cusp of retirement, you’re confronted with a penalty for your success: the Income-Related...

How Medicare Calculates Your MAGI & 2026 IRMAA Premium Surcharge

If you're reading this in 2025, there's a good chance your 2027 Medicare premiums are being decided right now. And you don't even know...

How to Avoid IRMAA Medicare Surcharges: Practical Steps to Sidestep Them

Did you know that a single dollar of income can cost you thousands in health care premiums? This is the reality of trying to...

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Stop Worrying About 2026 Medicare Premiums. The Game Is Already Underway

You’ve spent decades planning, saving, and investing diligently. Now, on the cusp of retirement, you’re confronted with a penalty for your success: the Income-Related...

How Medicare Calculates Your MAGI & 2026 IRMAA Premium Surcharge

If you're reading this in 2025, there's a good chance your 2027 Medicare premiums are being decided right now. And you don't even know...

How to Avoid IRMAA Medicare Surcharges: Practical Steps to Sidestep Them

Did you know that a single dollar of income can cost you thousands in health care premiums? This is the reality of trying to...

IRMAA Appeal: How To File Form SSA-44 in 5 Steps & Win

You must use Form SSA-44 (Medicare Income-Related Monthly Adjustment Amount; Life-Changing Event) to file an IRMAA appeal with the Social Security Administration (SSA). This...

The IRMAA Timeline Deception: When the SSA Releases 2026 Medicare Brackets

I'm Michael Ryan, and in my 253 decades as a financial planner, the most common and heartbreaking mistake I’ve witnessed has always centered on...

IRMAA Brackets 2026: The Essential Guide to Avoiding Medicare’s High-Income Surcharge

Did you know the Medicare IRMAA surcharge can impose a hidden, devastating 124,800% effective marginal tax rate on a single extra dollar of retirement income? This penalty, which...

Understanding IRMAA Brackets and Surcharges for Medicare Parts B and D in 2026

Have questions on Medicare costs. Wondering about IRMAA Brackets and surcharges for your Medicare Parts B & D? We're going to unpack the hidden...

Payment Scams with Zelle, Cash App & Venmo; A Planner’s Defense Blueprint

Ever wonder why that Zelle or Cash App payment feels as fast and final as handing someone a $100 bill? Because functionally, it is....

Mortgage & Home Title Fraud: How Crooks Steal Your House (and How to Stop It)

As a security and fraud investigator who teaches White-Collar Crime, I've seen the aftermath. Deed & home title fraud isn't a technical problem, but...

Import Car Insurance Tips: Get Covered Without Getting Ripped Off

Ever found that perfect car online, the one that was never sold in the U.S., and thought, "I have to have it"? I've seen...

Is Your HSA a Stealth Retirement Account? Find Out Here 

Have a High Deductible Health Plan (HDHP)? Maybe you chose it for the lower premiums, but now you're wondering how best to manage those higher...

Life Insurance For Seniors: Why & How to Choose?

You've worked hard, saved diligently, and now you're enjoying retirement. But have you considered life insurance as a senior? It might seem counterintuitive, but...