IRMAA - Income-Related Monthly Adjustment Amount
Don’t Let Hidden Medicare Costs Drain Your Retirement
Many retirees are surprised to learn that their retirement income can trigger higher Medicare premiums. These surcharges—called IRMAA (Income-Related Monthly Adjustment Amount)—can quietly cost thousands of dollars per year.
We help you structure income and withdrawals so you keep more of your Social Security and retirement income—and avoid unnecessary Medicare costs.
What Is IRMAA?
IRMAA increases your Medicare Part B and Part D premiums when your income crosses certain thresholds. Even a one-time income spike—like a Roth conversion, business sale, or large capital gain—can lock in higher premiums for years.
The good news? With proactive planning, IRMAA can often be reduced or avoided.
How We Help Reduce IRMAA
- Roth conversion strategy and timing
- Tax-efficient withdrawal sequencing
- Spousal income coordination
- Charitable strategies to manage MAGI
- Ongoing review before each IRMAA look-back year
IRMAA analysis is included as part of every comprehensive retirement plan.
Who This Matters Most For
- Pre-retirees approaching Medicare eligibility
- Retirees with rising income or RMD concerns
- Business owners, physicians, and high earners
- Couples coordinating Social Security and Medicare decisions
Real-World Impact
A recent client faced over $4,000 per year in added Medicare premiums after selling a practice. With strategic Roth conversions and charitable planning, we reduced their IRMAA exposure by two brackets—saving thousands annually.
