Avoid the Medicare Surcharge: Planning Ahead for IRMAA

Описание: Think your income only matters for taxes? Think again.
In this episode of Rayna Retirement, host Rayna Reyes, co-founder of American Federal Benefits Consultants, explains how your income from two years ago determines how much you’ll pay for Medicare Part B — and what you can do to plan ahead.

Rayna breaks down how IRMAA (Income-Related Monthly Adjustment Amount) works, the income thresholds for 2026, and how smart planning can save you thousands in unnecessary Medicare costs. She shares practical strategies for:
• Managing withdrawals from your TSP, 401(k), or IRA
• Timing Roth conversions to avoid higher surcharges
• Understanding how marriage and joint income impact your Medicare costs
• Using year-end planning to keep your future Part B premiums as low as possible

If you’re in your early 60s or already on Medicare, this is essential listening for proactive retirees who want to keep more of their hard-earned money.

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📧 Contact: Rayna and the team at American Federal Benefits Consultants
📱Call 1-800-872-8857
💻 Visit AmericanFederal.org.

YouTube:    / @raynaretirement  
Website: https://www.raynaretirement.com/

🇺🇸 Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning. Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way.
Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.