# How to Reduce Medicare Premium Surprises - IRMAA Planning

Page: https://stenobird.com/podcast/the-wise-money-show-1423829/how-to-reduce-medicare-premium-surprises-irmaa-planning
Text version: https://stenobird.com/podcast/the-wise-money-show-1423829/how-to-reduce-medicare-premium-surprises-irmaa-planning.md
Podcast: [The Wise Money Show™](https://stenobird.com/podcast/the-wise-money-show-1423829)
Published: 2026-05-02T14:00:00+00:00
Episode link: https://planman.podbean.com/e/how-to-reduce-medicare-premium-surprises-irmaa-planning/
Audio file: https://mcdn.podbean.com/mf/web/f2gigarwhfre3zt7/May_2_podcastbc0yd.mp3
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JSON: https://stenobird.com/v1/public/podcasts/the-wise-money-show-1423829/episodes/how-to-reduce-medicare-premium-surprises-irmaa-planning
Duration seconds: 2531

## Resource

IRMAA planning is an important part of retirement planning because even a small increase in income can trigger significantly higher Medicare premiums. In this episode of Wise Money, we explain how IRMAA works, why Medicare surcharges catch so many retirees by surprise, and the strategies that may help you reduce or avoid those extra costs. From Roth conversions and retirement withdrawals to property sales and taxable income management, we cover the key financial decisions that can impact your future Medicare premiums. If you want to avoid costly Medicare surprises in retirement, this episode is packed with practical planning insights. Season 11, Episode 37 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/ Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/ or call 574-247-5898. Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718 Watch this episode on YouTube: https://youtu.be/Uq3u2RzsREU Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow Instagram - https://www.instagram.com/wisemoneyshow/ Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of…

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