@guerra.wealth: Your retirement income could directly impact your Medicare premiums. Many retirees are surprised to learn that higher income in retirement can trigger IRMAA surcharges, increasing both Medicare Part B and Part D costs. Higher income. Higher premiums. Plan today. Protect tomorrow. Retirement tax planning strategies, including Roth conversions, withdrawal sequencing, and income management, may help reduce unexpected Medicare costs later in retirement. MAGI = Modified Adjusted Gross Income (from your 2024 tax return) This content is for informational and educational purposes only and should not be considered personalized financial advice. Always consult with a qualified fiduciary advisor before making any financial decisions.