{"podcast":{"title":"The 9Innings Podcast","slug":"the-9innings-podcast-2707213","podcast_index_feed_id":2707213,"rss_url":"https://media.rss.com/9inningscapitalgroup/feed.xml","website_url":"https://www.9inningscapitalgroup.com/","image_url":"https://media.rss.com/9inningscapitalgroup/20240409_050443_b1388b42ca94de108962687c973a2703.png","author":"Kevin Thompson, RICP®, CFP®","episode_count":182,"summary":"Kevin Thompson RICP®, CFP® is the founder of 9i Capital Group LLC is the registered investment advisor of 9Innings Capital Group LLc a marketing and consulting firm. On his podcast, he delves into deep financial topics and provides great insight on how markets and economics impact your money. Disclosure: https://sites.google.com/view/9idisclosure/disclosure","last_synced_at":"2026-07-22T02:20:17.801518+00:00","page_url":"https://stenobird.com/podcast/the-9innings-podcast-2707213"},"episode":{"title":"💰 Avoid the IRMAA Trap: Smart Tax Moves for a Stress-Free Retirement w/ Paul Morrison","slug":"avoid-the-irmaa-trap-smart-tax-moves-for-a-stress-free-retirement-w-paul-morrison","published_at":"2025-11-25T12:30:12+00:00","page_url":"https://stenobird.com/podcast/the-9innings-podcast-2707213/avoid-the-irmaa-trap-smart-tax-moves-for-a-stress-free-retirement-w-paul-morrison","show_page_url":"https://stenobird.com/podcast/the-9innings-podcast-2707213","url":"https://rss.com/podcasts/9inningscapitalgroup/2344870","audio_url":"https://content.rss.com/episodes/40859/2344870/9inningscapitalgroup/2025_11_24_19_50_34_ab993768-056c-4910-b538-e657e4411ad5.mp3","summary":"In this episode, we interview Paul Morrison, an IRMAA-certified planner from Lincoln, Nebraska. They discuss the impact of IRMAA (Income Related Monthly Adjustment Amount) on retirees’ Medicare premiums and Social Security benefits, highlighting how rising taxable income can trigger higher costs. Paul explains the complexities of IRMAA, the importance of proactive tax planning, and strategies like Roth conversions to minimize surcharges. The conversation also covers Medicare Advantage, the “widow’s penalty,” and the need for better financial education. The episode blends personal stories with practical advice for navigating retirement’s hidden tax challenges. (03:25) – From College Athletes to Retirees (04:10) – What Is IRMAA? (06:00) – The Tax Trigger (10:20) – How the Brackets Are Set (13:40) – Tax Planning & the SSA-44 Form (19:45) – Medicare Advantage & IRMAA (23:15) – Strategies to Reduce IRMAA (25:55) – The Widow’s Penalty (29:06) - Long-Term Care, RMDs, and IRMA (31:21) - IRMA Certification Details (34:57) - Roth Conversions and Standard Deduction NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure","meta_description":"In this episode, we interview Paul Morrison, an IRMAA-certified planner from Lincoln, Nebraska. They discuss the impact of IRMAA (Income Related Monthly A…","key_points":[],"chapters":[],"topics":[],"duration_seconds":2682,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-9innings-podcast-2707213/episodes/avoid-the-irmaa-trap-smart-tax-moves-for-a-stress-free-retirement-w-paul-morrison/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-9innings-podcast-2707213/avoid-the-irmaa-trap-smart-tax-moves-for-a-stress-free-retirement-w-paul-morrison.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}