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## Planning to Avoid IRRMA

Have you considered any strategies to prevent having to pay the IRRMA surcharge on Medicare premiums?

I have recently input my financial information in NewRetirement and the program has shown me a brighter retirement outlook than I had anticipated. With my projected retirement age set at 69 or 70, I am now contemplating the idea of maximizing my pre-tax 401k and HSA contributions from the age of 67 all the way up to my retirement year. This strategic move is aimed at sidestepping the IRRMA penalties that could be imposed once I transition onto Medicare. The last thing I want is to incur additional charges in the form of a surcharge.

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