Federal Employees Retirement & Benefits Podcast by CD Financial
The objective of this podcast is to educate and enlighten you about your federal benefits and to guide you in creating a well-formed retirement income plan.
Schedule your complimentary 15-minute phone call today! https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call
Federal Employees Retirement & Benefits Podcast by CD Financial
IRMAA Surprise! Are You Paying More for Medicare? How Taxes Affect Your Premiums
Confused about why your Medicare Part B premium is higher? Discover how IRMAA (Income-Related Monthly Adjustment Amount) impacts your Medicare costs and what federal employees and retirees can do about higher premiums. This video covers:
What is IRMAA and why it matters for Medicare Part B & D
How taxes affect your Medicare premiums and retirement budget
Planning strategies for federal retirees, including FERS, TSP, Social Security
Real-world tips on managing healthcare costs and avoiding surprises
đź”— FREE 15-minute retirement call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube
đź“° Get our newsletter and resources: cdfinancial.com/newsletter
Connect: Instagram @cdfinancial.llc | LinkedIn | Facebook
Socials:
Instagram: https://instagram.com/cdfinancial.llc/
Facebook: https://facebook.com/cdfinancial
LinkedIn: https://linkedin.com/company/cd-financial
đź‘‹ WHO AM I?
CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.
⏱ TIMESTAMPS
0:00 – What is IRMAA and why you might pay more for Medicare Part B
0:43 – How your income determines Medicare premium brackets
1:13 – Why Roth conversions can trigger higher Medicare costs
1:47 – Examples: pensions, Social Security, and working income
2:13 – TRICARE and mandatory Medicare enrollment at 65
2:33 – How timing your retirement can affect IRMAA penalties
3:01 – Why exceeding income thresholds can double your premiums
3:26 – What to ask your advisor — and finding a fiduciary who knows IRMAA
3:45 – Final thoughts: plan smarter, not longer
Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.