RetireTaxGuide blog https://retiretaxguide.com/blog/ Tax-aware retirement planning notes and updates from RetireTaxGuide. en-us Sat, 03 Oct 2026 00:00:00 GMT Roth conversions before 65 have a hidden second price https://retiretaxguide.com/blog/roth-conversions-and-aca-subsidies/ Sun, 27 Sep 2026 00:00:00 GMT Filling a low bracket with a Roth conversion looks free — until you remember marketplace coverage is means-tested and can cost you an ACA subsidy. https://retiretaxguide.com/blog/roth-conversions-and-aca-subsidies/ IRMAA cliffs: the Medicare surcharge that arrives two years later https://retiretaxguide.com/blog/irmaa-medicare-premium-cliffs/ Fri, 25 Sep 2026 00:00:00 GMT A single dollar over an income threshold can raise your Medicare premiums by hundreds — and the bill shows up two years after the income. https://retiretaxguide.com/blog/irmaa-medicare-premium-cliffs/