Uploaded April 2026 | Updated September 2026, 2 weeks ago
Most people think Medicare premiums are fixed—but they’re not. Today, I’m breaking down how your income can directly impact what you pay for Medicare Part B and Part D through something called IRMAA. The tricky part is that even going **one dollar over** certain income thresholds can trigger large surcharges that may double or even triple your premiums. I’ll explain how the two-year lookback works, why a single high-income year or a poorly timed Roth conversion can cost you, and how to plan ahead by managing your withdrawals across different accounts. Because with the right strategy, you can stay below those income cliffs and keep more money in your pocket.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
Most people think Medicare premiums are fixed—but they’re not. Today, I’m breaking down how your income can directly impact what you pay for Medicare Part B and Part D through something called IRMAA. The tricky part is that even going **one dollar over** certain income thresholds can trigger large surcharges that may double or even triple your premiums. I’ll explain how the two-year lookback works, why a single high-income year or a poorly timed Roth conversion can cost you, and how to plan ahead by managing your withdrawals across different accounts. Because with the right strategy, you can stay below those income cliffs and keep more money in your pocket.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
