Medicare Planning
Unexpected and unplanned healthcare costs are some of the biggest threats to a successful retirement. With the rising costs of medical care and long-term services, making informed Medicare decisions is essential to preserving the wealth you’ve worked a lifetime to build. That’s why our Medicare planning services are designed to fit seamlessly into your holistic wealth management strategy.
A Proactive Approach to Decision Making
Just as we design tax-efficient income strategies, we apply the same precision to Medicare. Our goal is to prevent avoidable costs, minimize financial surprises, and ensure your healthcare choices support your lifestyle and legacy goals.
Whether you’re approaching age 65 or already enrolled, we help you:
Understand and choose between Medicare Parts A, B, C, and D
Evaluate Medicare Supplement (Medigap) and Advantage Plan options
Optimize timing for enrollment to avoid costly penalties
Coordinate healthcare expenses within your income distribution plan
Plan for long-term care coverage and future healthcare needs
Managing IRMAA surcharges with strategic income planning
Many retirees are surprised to learn that higher income levels can lead to substantial increases in their Medicare Part B and Part D premiums through IRMAA (Income-Related Monthly Adjustment Amount) surcharges. These hidden costs can quietly erode your retirement income if not addressed with proper planning. At Assured Concepts Group, we proactively integrate Medicare decisions with your income distribution and tax strategies to help minimize these avoidable expenses.
We’ll help you understand:
- How your Modified Adjusted Gross Income (MAGI) directly impacts Medicare premiums
- Strategies to reduce reportable income, such as Roth conversions, qualified charitable distributions (QCDs), and tax-efficient withdrawal plans
- Timing considerations for realizing or deferring income to stay under IRMAA thresholds
- How to appeal IRMAA surcharges if your income has recently declined due to retirement or life changes
Meet Your Medicare
Specialist
Wayne Brownell, our dedicated Medicare Specialist, along with a team of mentors, bring years of expertise to help you make confident, informed decisions. As part of our holistic approach, Wayne works together with your advisor to seamlessly integrate Medicare choices into your broader financial plan.
The Assured Concepts Difference
At Assured Concepts Group, Medicare planning isn’t a standalone add-on, but a critical part of your overall wealth strategy. We integrate Medicare planning directly into your custom Bucket Plan® to ensure your healthcare expenses are covered in the right timeframes without jeopardizing your long-term goals, all while helping to minimize healthcare risks, manage IRMAA surcharges, protect assets from long-term care costs, and ensure your Medicare decisions support both your tax strategy and legacy plans.
When you work with us, you can feel assured knowing every decision works together to protect your health and your wealth.
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