How Roth IRA Conversions Affect Your Medicare Premiums

Episode 37 of Roth IRA with Fexingo dives into a hidden cost of Roth conversions: the Income-Related Monthly Adjustment Amount, or IRMAA, which can spike your Medicare Part B and Part D premiums. Lucas and Luna walk through a concrete example: a 65-year-old couple converting $100,000 from a traditional IRA to a Roth in 2026, and how that extra adjusted gross income could add over $4,000 a year to their Medicare costs for two years. They explain the two-year lookback period, how IRMAA brackets work, and strategies like partial conversions and timing your conversion in years with lower other income. No scare tactics—just the math and the planning moves that can keep your retirement tax-efficient without triggering a premium surcharge. If you're over 63 and thinking about Roth conversions this year, this episode is worth your time. #RothIRA #IRMAA #MedicarePremiums #RothConversion #RetirementPlanning #TaxStrategy #FexingoBusiness #BusinessPodcast #Finance #PersonalFinance #WealthManagement #SocialSecurity #TaxBrackets #AGI #MedicarePartB #MedicarePartD #PartialConversion #IncomePlanning Keep every episode free: buymeacoffee.com/fexingo