Beware the Medicare Premium Surprise (IRMAA)

The Tripwire that springs the trap two years later!

This one is created for executives near retirement to spot the income years that can raise Medicare Part B & D costs – The Medicare premium surprise that springs two years later!   

The IRMAA Tripwire Kit includes:

  • A plain-English IRMAA explanation tailored to executives “lumpy income”
  • The 10 most common IRMAA tripwires (bonus, RSUs, stock sales, severance, Roth conversions, etc.)
  • A two-year lookback planner (so you know which tax year is “the scorecard”)
  • 2026 Part B + Part D IRMAA tables (with the official 2026 amounts)
  • A SSA-44 “income dropped after retirement” checklist + links to the official forms/resources

If you’re one of those facing this issue, you can sign-up to receive the IRMAA Tripwire Kit here.

Enjoy!

Jim

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Jim Lorenzen

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Interested in becoming an IFG client?  Why play phone tag?  Schedule your 15-minute introductory phone call!

Jim Lorenzen, CFP®, AIF®

Jim Lorenzen is a CERTIFIED FINANCIAL PLANNER® professional and An Accredited Investment Fiduciary® in his 21st year of private practice as Founding Principal of The Independent Financial Group, a fee-based registered investment advisor. He is also licensed for insurance as an independent agent under California license 0C00742.  IFG helps specializes in crafting wealth design strategies around life goals by using a proven planning process coupled with a cost-conscious objective and non-conflicted risk management philosophy.

Opinions expressed are those of the author.  The Independent Financial Group does not provide legal or tax advice and nothing contained herein should be construed as securities or investment advice, nor an opinion regarding the appropriateness of any investment to the individual reader. The general information provided should not be acted upon without obtaining specific legal, tax, and investment advice from an appropriate licensed professional.

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Jim Lorenzen is a CERTIFIED FINANCIAL PLANNER® professional and An Accredited Investment Fiduciary® in his 21st year of private practice as Founding Principal of The Independent Financial Group, a fee-based registered investment advisor. He is also licensed for insurance as an independent agent under California license 0C00742.

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