Most retirees don’t lose money because they invest poorly.

They lose it because of rules they didn’t know existed.

One of the most expensive examples is IRMAA, the Income-Related Monthly Adjustment Amount. It’s a Medicare surcharge that can quietly add thousands of dollars per year to your healthcare costs, often without warning, and based on income from two years ago.

In this video, I break down exactly what IRMAA is, why it exists, how it sneaks into otherwise solid retirement plans, and most importantly, how to reduce or avoid it legally with smarter planning.

We’ll cover:

• Why IRMAA works like a financial cliff, not a gradual tax

• How one extra dollar of income can trigger massive premium increases

• Real strategies I use with clients to minimize the damage

• What to do if IRMAA has already hit you

• When it makes sense to appeal and how to do it correctly

IRMAA should never be ignored, but it also shouldn’t control your entire retirement strategy.

The goal is balance, foresight, and smart timing.

If retirement is approaching, or you’re already there, this is one of those topics that can quietly protect your future if you understand it early enough.

Balance Wealth Partners

https://www.balancewealthpartners.com/

404-441-9387

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