We met with our financial advisor last week and went through the IRMAA stuff because I’ll be going on Medicare next year (H is already on it). For whatever reason, this seems to be the year we’ve withdrawn more than usual from our 401k investments and we’re planning ROTH conversions. Because of the expected values for 2027, we have to be sure we don’t hit that for our 2025 income.
So, no conversions this year. Barring #2D either getting married or buying a house in 2026, we should be ok to start next year.
We did find out that our advisor’s company has both CPAs and attorneys who can help us with some of this at no additional cost; it’s all in the fees we pay.