The Roth Conversion Mistake that Could DOUBLE (or more!) Your Medicare Costs

Описание: Many people think Roth conversions are as simple as filling up lower tax brackets—but there’s a costly mistake hiding beneath the surface. IRMAA surcharges can push Medicare premiums higher, costing you thousands in unexpected expenses.

In this video, I break down Bob and Sally’s Roth conversion strategy. While their initial plan saved them nearly $485,000 in tax-adjusted assets, it also triggered over $5,800 in annual Medicare surcharges—leading to a real cost of more than $47,000 over their retirement.

The good news? A smarter approach—factoring in IRMAA thresholds, Social Security taxation, capital gains limits, and heirs’ tax brackets—boosts their savings to nearly $760,000.

If you’re planning Roth conversions, don’t overlook these five key tax factors.

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⏱Timestamps:⏱
0:00 - Bob and Sally's plan
1:40 - Filling the 22% tax bracket
2:25 - Hidden tax trap
4:21 - IRMAA surcharge thresholds
6:10 - Cumulative lost value
8:11 - Revisit Bob and Sally's plan
10:25 - 5 tax implications of conversions
13:75 - SS tax torpedo

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