Free Report
Free Download
Free Report:
Get Your Personalized Healthcare and Long-Term Care Costs Report
Get Your Free Report: How to Manage Medicare Surcharges
Our free report, “Avoiding Medicare Surcharges: Strategies for High-Income Retirees,” will help you:
- Understand how IRMAA is calculated
- Identify which income sources are included in MAGI
- Learn strategies to reduce your Medicare costs
- Plan a retirement income strategy that maximizes your disposable income
Claim Your Free Report Today
Don’t let hidden Medicare costs derail your retirement plans. Complete the form to get your free report today and take the first step toward protecting your retirement income.
Avoid Costly Medicare Surcharges in Retirement
Are you prepared for unexpected Medicare costs in retirement?
Many high-income retirees are caught off guard by IRMAA – Medicare’s Income-Related Monthly Adjustment Amount – which we commonly refer to as Medicare “surcharges.” These additional fees can significantly increase your Medicare Part B and Part D premiums, cutting into your retirement income and affecting your financial security.
Do You Know How Much Medicare Will Cost You?
Medicare surcharges are based on your Modified Adjusted Gross Income (MAGI), which includes most common forms of retirement income:
- Wages and pensions
- 50% of Social Security benefits
- Income from qualified accounts (like 401(k)s and IRAs)
- Required Minimum Distributions (RMDs)
- Capital gains
However, income from non-qualified annuities, Roth IRAs, longevity insurance (DIAs), and life insurance policies does NOT count toward MAGI — which means strategic planning can help reduce or eliminate these surcharges.
Why It Matters
With healthcare costs rising faster than inflation, Medicare expenses could become one of your largest retirement costs. For high-income retirees, these surcharges can add up to thousands of dollars annually — money that could otherwise support your lifestyle and legacy goals.
The Good News? You Can Take Control.
There are strategies available today that may help you reduce or even avoid Medicare surcharges altogether. Properly managing your retirement income sources and investment portfolio could save you thousands over the course of your retirement.