Medicare Planning

Medicare decisions feel small until you're stuck with them for years. Missing your enrollment window can mean a permanent penalty. 

Picking the wrong plan can mean paying for coverage you don't need, or not having coverage for something you do. And a withdrawal or Roth conversion that looks smart on paper can quietly push your income over an IRMAA threshold, raising your premiums for a full year before it resets.

We'll walk you through every bit of the Medicare mumbo jumbo before you decide, not after, when it's too late to undo. That includes how your other retirement decisions affect what you pay, so Medicare planning isn't handled in isolation from the rest of your plan.