Retiring Before 65? Watch This First скачать в хорошем качестве

Retiring Before 65? Watch This First

Book a FREE consultation with me: https://gatewaycapitalwealth.com/cont... There’s a two-year window before Medicare begins that most retirees completely overlook — and it can quietly increase your healthcare costs by thousands of dollars. If you’re 63 or 64, your income today directly determines your Medicare premiums at 65 and 66. That means large IRA withdrawals, Roth conversions, capital gains, stock sales, or even selling a business can trigger higher Medicare Part B and Part D premiums later. This is called IRMAA (Income-Related Monthly Adjustment Amount), and it’s based on your Modified Adjusted Gross Income from two years earlier. In this video, I break down: • Why ages 63–65 are so critical in retirement planning • How MAGI affects Medicare premiums • What triggers IRMAA brackets • How Roth conversions impact Medicare costs • Smart withdrawal strategies before age 65 • How to coordinate Social Security with income planning • Real examples of income spikes that led to higher premiums Retirement planning isn’t just about investment returns. It’s about coordinating taxes, healthcare, and income timing so one decision doesn’t create unnecessary costs later. If you’re approaching retirement and want to make sure your income strategy doesn’t accidentally increase your Medicare premiums, schedule a consultation using the link above. A little planning at 63 can save you thousands at 65. #retirementplanning #medicare #medicareplanning #irmaa #retirementincome #rothconversion #socialsecurityplanning #healthcarecosts #retirementtaxes #401kwithdrawals #ira #retireearly #pretirementplanning #financialplanning #wealthmanagement #retirementstrategy #highnetworth #incomeplanning #taxefficientretirement #retirementmistakes