Fee-only advisors for Medicare planning, IRMAA optimization, and retirement healthcare.
Medicare is simple for low-income retirees and brutally complex for anyone with meaningful retirement income. IRMAA (Income-Related Monthly Adjustment Amount) surcharges can add $1,500-$6,000/year per person for Part B and Part D. Two-year look-back on MAGI means 2024's income determines 2026's premiums. Roth conversion timing, charitable distribut
Situations we handle
- My IRMAA surcharges are $5K/year — can I reduce them?
- Medicare Advantage vs Original Medicare + Medigap — which?
- Still working at 65 with employer coverage — enroll in Medicare or not?
- Retiring this year, SS MAGI just spiked — IRMAA appeal?
- Spouse is on Medicare, I'm not yet — how do we coordinate?
- Roth conversion this year would be a great tax move but hits my IRMAA — tradeoff?
Why a specialist. Medicare isn't separately taught in most financial-planning curricula. Generalist advisors often miss IRMAA bracket opportunities, mis-time Roth conversions against two-year look-back, or fail to catch that their client shouldn't have enrolled in Medicare while having active HSA contributions. Specialist advisors model Medicare alongside retirement income rather than treating it as insurance-broker territory.
Tools & guides
Medicare IRMAA Bracket Calculator
See which IRMAA bracket your MAGI lands in and what Part B + D surcharge you'll pay.
Medicare Planning Complete Guide
Detailed framework — rules, tradeoffs, and common mistakes.
Get matched with a specialist
Fee-only advisor with no commission conflict. Free match.