Roth conversions increase your modified adjusted gross income (MAGI) in the year of conversion, which can trigger IRMAA surcharges on your Medicare premiums two years later. Strategic conversion amounts that stay below IRMAA thresholds — or converting before Medicare enrollment — can avoid this penalty.
This answer is provided for general informational purposes only and does not constitute financial advice. Every family’s situation is different. For personalized guidance, schedule a free consultation with our team.
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