Medicare 2026: Don't Let IRMAA Ruin Your Retirement

The hidden Medicare tax on retirement income can significantly impact your portfolio if you are not prepared for IRMAA thresholds. Many retirees overlook how their income decisions trigger surcharges, often referred to as the IRMAA cliff. This video explains how to navigate these specific financial hurdles by using strategies like bracket-ceiling planning. We examine how Required Minimum Distributions and large business sales can inadvertently increase your costs, providing a framework to structure your income more efficiently. Whether you are planning for future distributions or currently managing your tax exposure, understanding these mechanics is essential for preserving your wealth. By aligning your strategy with these known thresholds, you can avoid unnecessary premium increases and maintain better control over your retirement. Subscribe for weekly retirement planning breakdowns, and schedule a consultation to discuss your specific situation or visit our website for more resources. See where you stand. Get your personalized retirement scorecard at scorecard.matt25capital.com https://calendly.com/will-matt25capital/call-with-will-snodgrass-cfp 📞 Contact & More Information To schedule a personalized Social Security review or retirement planning consultation, please reach out: Matt25 Capital Website: www.matt25capital.com Phone: 832-639-3398 Email: info@matt25capital.com 9595 Six Pines Dr., Suite 8210, The Woodlands, TX 77380 Educational only; not tax or investment advice. Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services are separate from and not offered through Commonwealth. 00:00 Welcome And Disclosures 00:31 What We Will Cover 02:00 IRMAA Explained The Medicare Cliff 03:39 2026 Premiums And Thresholds 06:07 Two Year Lookback Rule 07:04 Four Common IRMAA Triggers 08:12 Trigger One Roth Conversions 09:02 Trigger Two RMD Surprise 11:

Added 17 Oct 2026