Keep your modified adjusted gross income below IRMAA thresholds
Delay Roth conversions until years with lower income
Spread capital gains across multiple tax years when possible
Use tax-efficient investments to reduce taxable income
Harvest losses to offset gains
Manage withdrawals from traditional retirement accounts carefully
Time retirement account distributions strategically
Use qualified charitable distributions if eligible
Avoid large one-time income events when possible
Plan the timing of Social Security benefits
Review tax withholding and estimated payments for accuracy
Coordinate income planning with a tax professional
Appeal IRMAA if your income dropped due to a qualifying life-changing event