The Medicare IRMAA
Planning Guide
How to time Roth conversions without triggering Medicare surcharges — and keep more of your retirement income.
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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.
This Guide Is For You If…
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.
Book a complimentary 30-minute call to discuss your Roth conversion strategy, RMD schedule, and Medicare timeline — together, as they should be.
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 2A • Disclosures
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