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Roth Conversions and Medicare IRMAA for Wichita Retirees
Crossing a Medicare income threshold can make a small Roth conversion expensive. See the math before choosing how much to convert.
Jonathan Harner, CFP®
Oct 22
Turning 73? Should You Delay Your First RMD Until April 1?
Turning 73? Learn why delaying your first RMD until April 1 can mean taking 2 RMDs in one tax year, and when waiting may still make sense.
Jonathan Harner, CFP®
Sep 24
Should A Wichita Couple Retire At 62 or Work Part Time For A Few Years?
Should you retire at 62 or work part time first? See how part time income can affect withdrawals, Social Security, health insurance, and your retirement plan.
Jonathan Harner, CFP®
Sep 17
Why Your Medicare Premium Is So High After Retirement
If you retired this year and your Medicare premium looks wrong, IRMAA may be the reason. Medicare often uses income from 2 years ago, but retirees with a major income drop may be able to ask Social Security to look again.
Jonathan Harner, CFP®
Jul 16
Before You Try a Backdoor Roth IRA With Pretax IRA Money
A backdoor Roth IRA sounds simple until pretax IRA money gets involved. If the rollover, Form 8606 history, pro rata rule, and December 31 IRA balance do not line up, the tax result can look very different from what you expected.
Let’s Make Smart Decisions, Together.
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