What is IRMAA and how can it affect your Medicare premiums? Learn how Roth conversions, RMDs, capital gains, and other retirement income sources can trigger higher Medicare Part B and Part D costs. Discover tax planning strategies to help retirees manage IRMAA and avoid costly Medicare surcharges.

Converting pre-tax retirement savings to Roth can significantly reduce your lifetime tax bill, but timing and amount matter. Here’s how retirees can approach the decision.