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How a Roth Conversion Affects Your Social Security Tax and Medicare Premium
Retirement Income

How a Roth Conversion Affects Your Social Security Tax and Medicare Premium

A $150,000 Roth conversion saved one couple a fortune in future taxes. It also triggered $4,600 in Medicare surcharges they never saw coming.

May 7, 2026
An illustration of a mature couple with a financial advisor in a modern office, reviewing tax documents.
Retirement Income

Financial Tip: Using Installment Sales to Avoid Medicare IRMAA Surcharges

There's a sinister Medicare surcharge called IRMAA that hits when you sell appreciated assets. But there's a legal way around it.

Apr 6, 2026
A professional illustration shows a relieved mature woman on a phone call at a sunlit kitchen table, surrounded by Medicare d
Success Stories

Success Story: How We Helped Julie Appeal Her Medicare IRMAA Overcharge

When Julie got hit with a Medicare IRMAA surcharge based on her old working income, our Client Care team showed her how to appeal it using the SSA-44 form.

Mar 25, 2026
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Published by American Retirement Advisors in Scottsdale, Arizona.

Helping families navigate Medicare, retirement income, and inheritance planning since 2001.

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Medicare Disclosure

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