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I Love AnnuitiesAuthor: Jeremiah Konger
Join Jeremiah Konger and Zachary Van Es, The Annuity Dudes, on the I Love Annuities Podcast, where we dive deep into the world of annuities and how they can provide guaranteed retirement income and financial security. Designed for retirees and pre-retirees, this podcast covers essential topics like fixed annuities, income annuities, fixed index annuities, and safe investment options. Discover strategies to protect your savings, create guaranteed income streams, and secure your legacy with annuities. Explore the best annuity rates, annuity strateies, and more on the I Love Annuities podcast! Language: en Contact email: Get it Feed URL: Get it iTunes ID: Get it Trailer: |
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The #1 Roth Strategy to SAVE You Thousands on IRMAA Surcharges
Episode 33
Friday, 10 October, 2025
IRMAA surcharges can add $6,000+ annually to Medicare costs. Discover how Roth annuities create tax-free income that bypasses IRMAA income thresholds.Medicare IRMAA surcharges catch most retirees by surprise. When your Modified Adjusted Gross Income (MAGI) crosses specific thresholds, you pay significantly more for Medicare Part B and Part D premiums - sometimes $6,000 or more per year per person.The good news? Roth annuities provide qualified tax-free income that doesn't count toward IRMAA calculations. This video breaks down exactly how this strategy works and whether it makes sense for your situation.What You'll Learn:0:00 - Introduction: The IRMAA Surprise1:45 - What Are IRMAA Surcharges and Who Pays Them?4:30 - 2025 IRMAA Income Thresholds Explained7:15 - How Roth Annuities Generate Tax-Free Income10:00 - Real Case Study: $8,400 in IRMAA Savings13:20 - Roth Conversion Strategy for Annuities16:45 - Who Should Consider This Approach19:30 - Common Mistakes to Avoid22:00 - Action Steps and Next MovesKey Points Covered:✅ 2025 IRMAA income brackets and surcharge amounts✅ How MAGI calculations trigger Medicare premium increases✅ Why Roth annuity distributions don't count as taxable income✅ The 2-year lookback rule for IRMAA determinations✅ Roth conversion timing strategies before age 65✅ Coordination with Social Security and RMDs✅ When traditional annuities might make more senseIRMAA planning requires understanding the intersection of tax law, Medicare rules, and retirement income strategies. At Annuity Association, we provide transparent education to help you make informed decisions about complex retirement planning scenarios.Worried about IRMAA surcharges eating into your retirement budget? 👉 Schedule your free Annuity Discovery Meeting today: https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=podcastRequest Free Annuity Report Here: https://annuityassociation.com/podcast-annuity-report to explore Roth-qualified annuity options and get personalized guidance on tax-efficient retirement income planning.Subscribe for weekly retirement planning strategies that help you keep more of what you've earned.Related Topics: Medicare premium surcharges, MAGI reduction strategies, tax-free retirement income, Roth conversion planning, Medicare Part B costs, retirement tax planning
