Roth conversions and IRMAA are deeply connected—one decision today can impact your Medicare premiums two years from now.

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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 Intro to Roth Conversions & IRMAA
1:05 What IRMAA Means for Medicare Premiums
2:15 Income Thresholds & Medicare Surcharge Tiers
3:40 The 2-Year Lookback Rule Explained
5:10 Why Retirees Get Surprised by IRMAA
7:00 Common IRMAA Triggers (Withdrawals, Sales, RMDs)
9:30 Roth Conversions: Short-Term Cost vs Long-Term Gain
12:00 How Large Withdrawals Impact Medicare Costs
14:20 Strategic Planning to Reduce IRMAA Exposure
16:30 Building a Tax-Efficient Retirement Income Plan

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.

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