Most retirees never see it coming… until it hits their wallet.

Meet IRMAA: the Income-Related Monthly Adjustment Amount. It’s the Medicare premium surcharge that can quietly drain thousands from your retirement every single year.

In this video, I break down exactly what IRMAA is, how it can affect your Medicare premiums in retirement, why it exists, and, most importantly, how to avoid or reduce it with proven, tax-smart strategies.

Understanding Medicare and Medicare costs is crucial for effective retirement planning, especially when unexpected charges like IRRMA can arise.

You’ll learn:

• How IRMAA is calculated (and why your income from 2 years ago matters)
• The real cost in 2025 for individuals and couples
• 4 strategies to lower your MAGI and dodge IRMAA’s sting
• How to appeal if you get hit with the surcharge unexpectedly

If you’re within a few years of Medicare, or already enrolled, this could save you thousands.

New Book Coming November 2025 Your Future is Now: Your Blueprint for Solving Your Retirement Puzzle