Plan against unexpected costs with IRMAA Navigator
Two main concerns live in the minds of retirees: saving money and affording healthcare. They know how to save for predictable financial surprises, but what about unexpected costs? How do they plan for IRMAA?
The Income-Related Monthly Adjustment Amount (IRMAA) is a Medicare surcharge that raises Part B and Part D premiums for higher-income retirees. It operates as a tier system—the more you earn, the more you have to pay.
With proactive planning, clients can:
- Preserve retirement withdrawal strategies
- Mitigate unexpected Medicare premiums
- Protect long-term retirement plans
Most clients don’t know about IRMAA. With the right tools and resources, advisors can implement effective strategies reduce or avoid IRMAA’s impact, such as Roth conversions, income threshold management, and Social Security timing. It’s hard to plan against the unexpected. Connect the dots and lead your clients to financial security with IRMAA Navigator.
Complete the form here to download our free educational guide, or contact your IAMS Sales Director at 800.255.5055 for more information on IRMAA Navigator.