어뉴이티(Annuity)는 투자일까, 은퇴 월급일까? — 2025~2026 최신 세금·구조·체크리스트
어뉴이티는 투자 상품일까, 은퇴 월급일까? 어뉴이티의 구조, 세금, RMD·QLAC까지 한 번에 정리합니다.
RMD 때문에 세금·IRMAA가 올라가나요? 70½세부터 가능한 QCD(적격 자선기부)로 소득을 “지우는” 절세법
QCD는 70½세 이상 IRA에서 자선단체로 직접 이체해 RMD를 채우며 AGI를 낮춰 세금·IRMAA를 방어하는 절세 전략입니다.
Does Your RMD Increase Taxes or IRMAA? How a Qualified Charitable Distribution (QCD) Can “Erase” Income Starting at Age 70½
Worried that RMDs will raise taxes or IRMAA? Learn how QCDs can keep IRA withdrawals out of AGI and protect your retirement income.
Should High-Income Couples in Their 50s Delay Roth Conversions — or Risk a Future Tax Shock? (RMD & IRMAA Case Study, 2025)
A real-world Roth conversion case study showing how income gaps, RMDs, and IRMAA shape smarter timing.
“50대 고소득 부부, 지금 Roth 전환 안 하면 ‘세금 폭탄’ 맞을까?” — RMD·IRMAA 실무사례 (2025)
50대 고소득 부부의 Roth 전환 고민을 Q&A 스터디로 정리해 Pro-Rata·소득 공백기·RMD/IRMAA·RMD 나이 변화까지 답합니다.
Medicare Plan G vs Plan N in Queens (2025 Guide): Costs, Coverage, and Benefits
A complete comparison of Medicare Plan G and Plan N for Queens residents, including 2025 costs, coverage, examples, and 2026 updates.
Part 2: Legal Ways to Reduce Your IRMAA in 2026 — Smart MAGI Strategies
Learn 7 legal strategies to reduce your Medicare IRMAA in 2026. Understand how MAGI is calculated, how SSA-44 works, and how smart planning can lower premiums.
Part 5: Medicare Part B Premiums & IRMAA Explained — What to Expect in 2026
Understand Medicare Part B premiums and IRMAA in 2026. Learn how income affects your monthly cost, the new IRMAA brackets, and how to appeal or lower your payment after retirement.
Part 3: Original Medicare vs Medicare Advantage — Which Saves You More in 2026?
Confused between Original Medicare and Medicare Advantage? This 2026 guide compares costs, coverage, flexibility, and out-of-pocket limits — with real examples to help you choose the plan that truly fits your health and lifestyle.
Part 2: Understanding Medicare Parts A, B, C & D — What Each One Really Covers in 2026
Clear, practical 2026 overview of Medicare Parts A, B, C, and D — coverage basics, the new $2,100 Part D cap, and how to choose between Original Medicare + Medigap or Medicare Advantage.