Medicare Part B premium costs can jump because of IRMAA (Income-Related Monthly Adjustment Amount) when your MAGI crosses key thresholds—especially for federal retirees with pensions, Social Security, and RMDs. Learn how timing, Roth conversions, and TRICARE for Life choices can influence your Medicare Part B and Part D costs without panic or fear-mongering.

IRMAA isn’t a penalty—it’s a higher Medicare Part B and D premium triggered by income. With smart tax planning, you can navigate the thresholds instead of getting surprised.

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CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

⏱ TIMESTAMPS
0:00 Intro – Medicare Part B premium & IRMAA setup
1:38 What IRMAA Really Is (Income-Related Monthly Adjustment Amount)
3:10 MAGI Explained: Pensions, Social Security taxation, IRA withdrawals
5:20 Key IRMAA Thresholds (single vs. married) & why singles are “brittle”
6:55 TRICARE For Life & Part B – enrollment timing and realities
8:22 Roth Conversions: Helpful tool—or IRMAA tripwire?
10:05 RMDs and the Two-Year Look-Back: Why today’s choices hit future premiums
12:02 Coordinating Tax Brackets vs. IRMAA Brackets (which “ball” matters when)
13:40 Practical Planning Moves (appeals, pacing conversions, income smoothing)
22:40 Wellness Tip: Why laughter helps your stress & sleep

#MedicarePartB #IRMAA #FederalRetirement #TSP #CDFinancial

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

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