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In this video (Part 4) I demonstrate the impact of Roth Conversion and RMD income on your Medicare IRMAA premiums. The Income Related Monthly Adjustment Amount (IRMAA) surcharge is a "cliff bracket" that should be considered over the age of 65 when doing long term tax planning. We also cover the 3.8% Net Investment Income Tax (NIIT) and how it impacts Investment Income when your Adjusted Gross Income (AGI) is over $250,000 married filing joint (MFJ). Finally I cover strategies for investors and stock traders to maximize their after-tax cashflow through the use of strategic planning with a combination of Regular Brokerage accounts, Traditional IRA accounts and Roth IRA account. Personal Tax Planning Template Available Here: https://numbercrunchnerds.systeme.io/... 00:00 Introduction 01:17 Timeline for Roth Conversions, Medicare, IRMAA and RMDs 04:42 Introduction to IRMAA and the Net Investment Income Tax (NITT) 06:02 How To Calculate the Net Investment Income Tax 07:27 Calculating Taxable Income 10:35 Is Roth Conversion Income Considered Investment Income 15:46 Calculating Ordinary Income Tax 19:18 Calculating Capital Gain Tax 23:37 Calculating the Net Investment Income Tax 26:42 The Different "Buckets" of Tax (Ordinary, Capital Gain, NITT) 30:40 IRAs are Like Vegas "What Happens in IRAs Stays in IRAs" 33:33 IRMAA Brackets & Medicare Premiums (MAGI) 35:53 Impact of Roth Conversion on IRMAA Surcharge (With & Without) 39:06 IRMAA Brackets are "Cliff Brackets" (this is Different than Tax Brackets) 46:06 IRMAA Surcharge Calculator (now part of the Personal Tax Planning Template) 49:49 Tax Exempt Interest Modification to AGI to get to MAGI 56:03 Roth Conversion Planning with IRMAA Considerations 1:00:57 Conventional Wisdom in Day Trading | Swing Trading | Investing 1:06:17 Regular Brokerage Account & Traditional IRA (Classic Strategy) 1:12:22 Regular Brokerage Account & Traditional IRA (Reverse Strategy) 1:19:44 Regular | Traditional | Roth Conversion (Mixed Strategy) 1:30:46 Stock Trader Calculator (now part of the Personal Tax Planning Template) 1:33:00 Investment Strategy Determination | Projected Return | Projected Tax Rates 1:40:01 Assigning Strategies to Your Investment Accounts 1:41:54 How The Calculation Tables Work for Each Portfolio 1:45:02 Withdrawal of Funds to Pay Tax on the Roth Conversion 1:47:30 Analyzing the Results of the After-Tax Cash Flow Maximization Analysis 1:48:45 It's all Part of the Personal Tax Planning Template Roth Conversion Videos: Part 1: • Roth IRA Conversion | 2025 Tax Planning St... Part 2: • Roth IRA Conversion (Part 2) | 2025 Tax Pl... Part 3: • Roth IRA Conversion (Part 3) | 2025 Tax Pl... Traditional IRA vs Roth IRA Video: • Traditional IRA vs Roth IRA | Tax Planning... #stockmarket #trading #investing #irmaa #medicare #socialsecurity