Investing at Age 78
Roth conversions can reduce future RMDs and leave heirs tax-free assets, but large conversions can trigger Medicare IRMAA surcharges two years later. IRMAA brackets adjust for inflation each year, so the exact thresholds shift annually. Use your projected income and current-year IRMAA brackets to model conversions that stay below a bracket boundary. Partial conversions over several years often produce better outcomes than a single large conversion.