Free Planning Guide — Davies Wealth Management

The Medicare IRMAA
Planning Guide

How to time Roth conversions without triggering Medicare surcharges — and keep more of your retirement income.

The two-year lookback rule that catches most retirees off guard
2025 IRMAA thresholds and surcharge amounts for Parts B & D
Five strategies to stay below the IRMAA income brackets
A sample year-by-year Roth conversion roadmap
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Davies Wealth Management — Fee-Based Fiduciary, Stuart FL

What’s Inside the Guide

Four sections covering everything you need to coordinate Roth conversions with Medicare.

How IRMAA Works
The two-year lookback rule and who is most at risk for unexpected surcharges.

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2025 Thresholds
Complete IRMAA bracket tables for Parts B and D with exact surcharge amounts.

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5 Strategies
How to time conversions, use QCDs, and appeal surcharges using Form SSA-44.

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Sample Roadmap
A year-by-year hypothetical conversion plan showing how bracket management works in practice.

This Guide Is For You If…

You’re between ages 58 and 72 and considering Roth conversions before RMDs begin
You’re already on Medicare and want to know how your income affects your premiums
You had a large income event (business sale, settlement, asset sale) and want to understand the Medicare impact
Your advisor has never discussed how Roth conversions and Medicare premiums interact

Your Guide Author

Thomas Davies, CFS®

Thomas is a fee-based fiduciary advisor serving pre-retirees and retirees on Florida’s Treasure Coast. After more than 30 years in financial services, he founded Davies Wealth Management to offer unconflicted, transparent planning — the kind that’s increasingly rare in an industry driven by product sales.

He works with a limited number of clients to ensure every plan receives genuine personal attention — not a template.

Want a personalized IRMAA analysis?

Book a complimentary 30-minute call to discuss your Roth conversion strategy, RMD schedule, and Medicare timeline — together, as they should be.

Book a Free 30-Minute Call

Davies Wealth Management is a registered investment adviser. This guide is for educational purposes only and does not constitute personalized investment, tax, or legal advice. Registration with the SEC does not imply a certain level of skill or training. IRMAA thresholds referenced are based on 2025 figures and are subject to annual change. All investing involves risk. • Form ADV Part 2ADisclosures

We can help you make the most of what you have!

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TD
Thomas Davies, CFS®
Davies Wealth Management · Stuart, FL
Fiduciary
Davies Wealth Management · Fee-Based Fiduciary · 772-210-4031 · Not investment advice