The Medicare Bill That's Priced Two Years Early

Wondering if your advisor is missing something? Let's talk https://apellawealth.zoom.us/zbook/in... Medicare premiums at 65 can be based on your income from two years earlier. A Roth conversion, stock sale, or IRA withdrawal could affect what you pay later. Paul and Sam Marrella of Apella Wealth explain Medicare IRMAA (Income-Related Monthly Adjustment Amount), how its income thresholds work, and why a tax decision that makes sense today could increase your Medicare premiums down the road. They also discuss when planning ahead matters most, including the years before Medicare and the financial challenges a surviving spouse may face. If you're approaching retirement or Medicare age, click the link above to discuss how these decisions could affect your situation. ⏰ TIMESTAMPS / CHAPTERS 0:00 - Why your Medicare bill is priced two years early 1:50 - What counts as income for IRMAA 2:48 - How income thresholds can change your Medicare costs 8:28 - Why surviving spouses need to plan ahead Connect with Apella Wealth: ▶️ WATCH NEXT:    • Your Spouse's Social Security Survivor Ben...   🔔 Subscribe for Family-Focused Financial Insights:    / @investingistheeasypart   🌐 Visit Our Website: https://apellawealth.com DISCLAIMER: This video is for educational purposes only and is not intended as financial, legal, or tax advice. The information is for a general audience and does not consider your individual circumstances. Please consult with a qualified professional before making any financial decisions. 🤔 ABOUT INVESTING IS THE EASY PART 🤔 Building your wealth was the first step. Making it last is the real challenge. This channel helps you lead your family's financial future with the actionable strategies smart families use in the critical years before and after retirement. We explore advanced tax strategies, creating durable retirement income, designing an estate plan with trusts, and implementing asset protection to shield your wealth. Our goal is to give you confidence to build a financial legacy that lasts for your spouse, heirs, and generations to come. Guidance from Paul Marrella CFP® & Sam Marrella CFP® - Apella Wealth. LEGAL DISCLOSURES Apella Capital, LLC ("Apella"), DBA Apella Wealth is an investment advisory firm registered with the Securities and Exchange Commission. The firm only transacts business in states where it is properly registered or excluded or exempt from registration requirements. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Apella Wealth provides this communication as a matter of general information. Any data or statistics quoted are from sources believed to be reliable but cannot be guaranteed or warranted. Investing involves risk, including the potential loss of principal. For more information about our firm and advisors, please visit https://apellawealth.com/regulatory-i... #PaulMarrella #SamMarrella #InvestingIsTheEasyPart