{"product_id":"the-irmaa-handbook-jeff-martinez-9798183750492","title":"The IRMAA Handbook: How High-Income Retirees Cut the Medicare Surcharge","description":"\u003cp\u003e\u003cb\u003eThe Medicare surcharge nobody warned you about.\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003eYou saved diligently for decades. That is exactly why the letter came.\u003c\/p\u003e\u003cp\u003eMost high-income retirees never hear the word IRMAA until a notice from Social Security says their Medicare premium is two or three times higher than expected, for each spouse, based on income they earned two years ago. By the time it arrives, the year that caused it is already closed.\u003c\/p\u003e\u003cp\u003eThe IRMAA Handbook turns that surprise into something you can see coming and plan around. In plain language, with real case studies you will recognize, it shows you how the brackets actually work, why careful savers get caught, and the specific moves that keep you on the right side of the line.\u003c\/p\u003e\u003cp\u003eInside, you will learn how to: \u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eNavigate the two-year lookback and the income cliff that can make one dollar cost you thousands\u003c\/li\u003e\n\u003cli\u003eUse Roth conversions, charitable distributions, and account sequencing to lower your MAGI\u003c\/li\u003e\n\u003cli\u003eSee why municipal bonds and most trusts do nothing for IRMAA\u003c\/li\u003e\n\u003cli\u003eFile the SSA-44 appeal the government does not advertise\u003c\/li\u003e\n\u003cli\u003eUse the \"golden window\" between ages 63 and 65 to plan on your own terms\u003c\/li\u003e\n\u003cli\u003eCoordinate your CPA, estate attorney, and financial advisor so the planning actually happens\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eWhether you are two years from Medicare or already paying the surcharge, this book gives you a clear, year-by-year plan.\u003c\/p\u003e\u003cp\u003eWritten by Jeff Martinez, CRPC, a fiduciary financial advisor focused on retirement income and Medicare planning for high-income households.\u003c\/p\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Jeff Martinez\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9798183750492\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Independently Published\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 06\/22\/2026\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 102\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.32lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 9.00h x 6.00w x 0.24d","brand":"Jeff Martinez","offers":[{"title":"Paperback","offer_id":48997851496703,"sku":"9798183750492","price":16.99,"currency_code":"USD","in_stock":true}],"url":"https:\/\/www.whiterainbookhouse.com\/products\/the-irmaa-handbook-jeff-martinez-9798183750492","provider":"WR Book House","version":"1.0","type":"link"}