WELCOME TO THE IRMAA FINANCIAL ADVISORS NETWORK
www.irmaafa.com | 866.907.4275
www.irmaafa.com | 866.907.4275
Empowering Financial Advisors to Help Clients Manage Their Medicare Costs
A COMMUNITY OF ADVISORS DEDICATED TO NAVIGATING IRMAA SOLUTIONS FOR HIGH INCOME CLIENTS.
VIRTUE FINANCIAL ADVISORS | 6 CADILLAC DRIVE, SUITE 310 | BRENTWOOD, TN, 37027 | 866.907.4275
© Copyright 2017-24, Virtue Financial, Inc. Virtue Advisors is an insurance marketing organization based out of Nashville, Tennessee, USA and is the IMO/FMO and sister company of Virtue Capital Management, LLC , an SEC registered investment advisory firm—both entities form the parent company Virtue Financial.All photos, content and information on this site is protected by copyright and any duplication or use without consent is strictly prohibited.
© Copyright 2017-24, Virtue Financial, Inc. Virtue Advisors is an insurance marketing organization based out of Nashville, Tennessee, USA and is the IMO/FMO and sister company of Virtue Capital Management, LLC , an SEC registered investment advisory firm—both entities form the parent company Virtue Financial.All photos, content and information on this site is protected by copyright and any duplication or use without consent is strictly prohibited.
LUNA WEALTH MANAGEMENT
7887 E. BELLEVIEW AVE, SUITE 1100
GREENWOOD VILLAGE, CO 80111
303.525.4434
Network: Why the IRMAA Network, Works.
WHO WE ARE
The IRMAA Financial Advisors Network is a specialized IMO dedicated to helping clients understand and manage Medicare premiums affected by the Income Related Monthly Adjustment Amount (IRMAA). We equip advisors with the knowledge and tools necessary to provide expert guidance on this crucial aspect of retirement planning.
WHY SPECIALIZE IN IRMAA?
High-income clients often face unexpected Medicare costs due to IRMAA surcharges. As an advisor, you can offer valuable strategies to mitigate these costs through proactive financial planning. Whether it’s optimizing income distributions, managing taxable events, or timing withdrawals, specializing in IRMAA guidance allows you to serve an important niche while growing your practice.
MEMBER BENEFITS
Exclusive Training & Resources
Gain access to in-depth training sessions, webinars, and articles focused on IRMAA strategies and Medicare planning.
Client-Facing Tools
Use our calculators and templates to help clients visualize the impact of IRMAA and plan accordingly.
Networking Opportunities
Connect with like-minded professionals and share best practices through our member forum and events.
Marketing Support
Receive white-label marketing materials to position yourself as an IRMAA expert in your community.
BECOME AN IRMAA EXPERT
Learn how to incorporate IRMAA strategies into your practice and stand out from other financial advisors. Join our community and start providing high-value advice that can make a difference in your clients’ retirement years.
GET STARTED TODAY
Take the first step to expanding your practice. Join the IRMAA Financial Advisors Network and start accessing the tools and resources that will set you apart.
www.irmaafa.com | 866.907.4275
About Us: Guiding Advisors to Master
Medicare Strategies for High-Income Clients.
OUR VISION
We envision a world where every financial advisor is equipped to help clients navigate the complexities of Medicare planning. By focusing on high-impact solutions like IRMAA management, we’re helping advisors make a difference in their clients’ lives while growing their practices.
OUR STORY
Founded by industry veterans and Medicare planning experts, we saw a growing need for specialized knowledge in this space. Financial advisors, CPAs, and wealth managers frequently encounter clients impacted by IRMAA surcharges but struggle to find tailored strategies and resources to address this challenge. Our network was created to be the go-to resource for professionals who want to provide targeted services to their high-net-worth clients.
OUR MISSION
Our mission is to empower financial advisors with the expertise, tools, and support needed to turn IRMAA planning into a strategic advantage. Through continuous education, resources, and community collaboration, we aim to elevate the role of financial advisors in Medicare planning and help clients make informed decisions that protect their wealth in retirement.
Our Approach: Our Network is Built
Around Three Core Principles.
EXPERT TRAINING & EDUCATION
We provide in-depth training programs, webinars, and workshops covering everything from the basics of IRMAA to advanced income management strategies. Our content is designed to be actionable and client-focused.
COMPREHENSIVE TOOLS & RESOURCES
Our calculators, templates, and case studies offer the practical resources you need to guide clients through IRMAA decisions. We also provide marketing materials to help you position yourself as a Medicare expert in your community.
COMMUNITY & COLLABORATION
We are more than just a resource hub—we’re a network of like-minded professionals committed to sharing knowledge and best practices. Through forums, events, and one-on-one coaching, you’ll connect with other advisors who share your passion for helping clients.
Case Study: Reducing IRMAA Costs
for a High-Income Retiree
Resources: Tools & Learning Hub for
IRMAA Planning & Medicare Expertise
IRMAA CALCULATOR
An interactive tool to estimate IRMAA charges based on client income.
WEBINARS
On-demand webinars on Medicare planning and tax-efficient strategies.
WHITEPAPERS & GUIDES
Download in-depth guides and case studies on IRMAA management.
CLIENT TEMPLATES
Customizable templates for your client meetings.
CLIENT BACKGROUND
• Name: John and Mary Smith
• Ages: Both age 72
• Filing Status: Married, filing jointly
• Annual Income (2022): $240,000
• Income Sources:
Pension: $60,000
Required Minimum Distributions (RMDs): $100,000
Capital Gains from Investments: $40,000
Social Security Benefits: $40,000
PROBLEM
In 2024, John and Mary discovered that their Medicare Part B and Part D premiums had increased significantly due to IRMAA surcharges. Their income placed them in the second IRMAA bracket, resulting in surcharges totaling $7,512 for 2024 and will increase every year. They needed strategies to lower their taxable income and avoid high IRMAA surcharges in the future.
STRATEGIES IMPLEMENTED
Roth Conversions Over Multiple Years:
The Smiths’ RMDs were a major contributor to their high taxable income. They began converting a portion of their traditional IRA funds into a Roth IRA over several years, taking advantage of lower-income years before age 73. Roth conversions temporarily increase taxable income, but once in the Roth IRA, the funds grow tax-free and do not contribute to future IRMAA calculations.
Tax-Loss Harvesting:
The Smiths’ financial advisor recommended selling investments at a loss to offset gains. This strategy helped reduce their taxable income while maintaining their overall investment portfolio, keeping them below a critical IRMAA threshold.
RESULTS
By implementing these strategies, John and Mary successfully reduced their taxable income below the $206,000 threshold (for married couples), resulting in lower IRMAA surcharges. Their Medicare Part B and Part D premiums dropped by approximately $3,000 in the following year. The combination of Roth conversions, QCDs, and tax-efficient withdrawal strategies positioned them to consistently stay in a lower IRMAA bracket, saving thousands.
LESSONS LEARNED
Proactive Planning is Essential
Effective IRMAA management requires advance planning, particularly regarding income sources that trigger higher premiums. By considering future IRMAA thresholds, retirees can avoid costly surprises.
Flexible Income Sources are Key
Having access to a variety of income sources—Roth IRAs, taxable accounts, tax-deferred accounts—enables retirees to manage their taxable income and minimize IRMAA surcharges.
Integrating Tax and Medicare Strategies
IRMAA management involves coordinating tax planning, charitable giving, and investment strategies. A holistic approach reduces both taxes and Medicare premiums
Charitable Contributions via Qualified Charitable Distributions (QCDs):
Instead of using after-tax dollars, John and Mary began donating directly from their IRA as QCDs. This satisfied part of their RMD requirement while reducing their taxable income, excluding the QCD amount from their adjusted gross income (AGI), which directly impacts IRMAA calculations.
Strategic Withdrawal Planning
The Smiths adjusted the order of withdrawals from different accounts, balancing tax-free Roth withdrawals with taxable account distributions. This allowed them to manage their taxable income effectively while still meeting their spending needs.
Deferring Capital Gains
They strategically deferred selling appreciated investments in higher-income years. By timing capital gains realizations for lower-income years, they avoided pushing their income above critical IRMAA thresholds.
Jeremy Rettich
Chief Executive Officer
Chris Rosado
Advisor Development
Team Support
Meet the Team: Our Team of Professionals Are Here to Serve You.
James Webb
Chief Operating Officer
Brad Bahr
Life Insurance Sales Mgr
Patty Smith
VA Contracting
Jeremy Threlkeld
Director of Business Development
Shane Holder
VP of Advisor Development
Aaron Hall
Business Development
Consultant
Joe Stamps
Director of Life/LTC
Aristotle McDonald
Business Development
Consultant
www.irmaafa.com | 866.907.4275
Join Us: Unlock Expert Tools & Resources
to Elevate Your Practice
Join Our Network and Gain Access to Comprehensive IRMAA Support and Proven Marketing Systems
Become an IRMAA planning and Medicare strategies expert. Join the IRMAA Financial Advisors Network to receive expert guidance, powerful tools, and a complete marketing system designed to help you succeed.
WHAT YOU WILL GET WHEN YOU JOIN
Marketing Support
Receive a complete A to Z marketing system to attract and retain clients. We provide lead generation strategies and client retention tools.
IRMAA Calculators
Access easy-to-use calculators that help you and your clients estimate IRMAA surcharges accurately.
Case Planning & Design
Work directly with our expert team to design customized client solutions. We’ll guide you step-by-step through complex cases to achieve the best outcomes.
Expert Case Design
Receive hands-on support in developing tailored strategies that align with your clients’ unique financial situations.
Comprehensive Support System
Our network supports you at every stage—from acquiring new clients to managing ongoing relationships. Benefit from a community of experienced professionals and the resources to help you thrive.
WHY JOIN US?
By becoming a member, you’ll gain access to a suite of tools, resources, and expert support that allows you to deliver high-value services to your clients. Whether you’re new to IRMAA planning or looking to refine your approach, our support provides the edge you need to stay ahead. Join Us Today and Take Your Practice to the Next Level.
www.irmaafacom | 866.907.4275
Contact Us: Get in Touch
We’re Here to Help You Succeed
www.virtueadvisors.com | 866.907.4275
VIRTUE ADVISORS | 6 CADILLAC DRIVE, SUITE 310 | BRENTWOOD, TENNESSEE USA
VIRTUE ADVISORS
6 CADILLAC DRIVE, SUITE 310 BRENTWOOD, TENNESSEE USA
FOR FINANCIAL PROFESSIONAL USE ONLY — NOT INTENDED FOR THE GENERAL PUBLIC.
© Copyright 2017, Virtue Financial, Inc. Virtue Advisors is an insurance marketing organization based out of Nashville, Tennessee, USA and is the IMO/FMO and sister company of Virtue Capital Management, LLC ,
a SEC registered investment advisory firm—both entities form the parent company Virtue Financial.All photos, content and information on this site is protected by copyright and any duplication or use without consent is strictly prohibited.
FOR FINANCIAL PROFESSIONAL USE ONLY
— NOT INTENDED FOR THE GENERAL PUBLIC.
© Copyright 2017-24, Virtue Financial, Inc. Virtue Advisors is an insurance marketing organization based out of Nashville, Tennessee, USA and is the IMO/FMO and sister company of Virtue Capital Management, LLC, an SEC registered investment advisory firm—both entities form the parent company Virtue Financial.All photos, content and information on this site is protected by copyright and any duplication or use without consent is strictly prohibited.