Confused about why your Medicare Part B premium is higher? Discover how IRMAA (Income-Related Monthly Adjustment Amount) impacts your Medicare costs and what federal employees and retirees can do about higher premiums. This video covers:

What is IRMAA and why it matters for Medicare Part B & D

How taxes affect your Medicare premiums and retirement budget

Planning strategies for federal retirees, including FERS, TSP, Social Security

Real-world tips on managing healthcare costs and avoiding surprises
🔗 FREE 15-minute retirement call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
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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 – What is IRMAA and why you might pay more for Medicare Part B
0:43 – How your income determines Medicare premium brackets
1:13 – Why Roth conversions can trigger higher Medicare costs
1:47 – Examples: pensions, Social Security, and working income
2:13 – TRICARE and mandatory Medicare enrollment at 65
2:33 – How timing your retirement can affect IRMAA penalties
3:01 – Why exceeding income thresholds can double your premiums
3:26 – What to ask your advisor — and finding a fiduciary who knows IRMAA
3:45 – Final thoughts: plan smarter, not longer

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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