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Index/Topics/Qualified Charitable Distributions (QCDs)

Qualified Charitable Distributions (QCDs)

The use of QCDs to reduce the taxable impact of RMDs and limit MAGI and IRMAA exposure.

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Jan 14, 2026
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Do tax-free retirement account withdrawals affect IRMAA for Medicare Part B/D premiums?

Yes — withdrawals that are truly tax-free generally do not raise the MAGI figure the Social Security Administration (SSA) uses to calculate IRMAA, while taxable distributions from traditional retireme...

Jan 8, 2026

What tax‑planning strategies reliably reduce the risk of crossing an IRMAA cliff (e.g., Roth timing, QCDs) and what do advisers cite?

A small, one‑time income spike can trigger IRMAA’s “cliff” and raise Medicare Part B and Part D premiums for a full year, so advisers focus on reducing or re‑timing Modified Adjusted Gross Income (MAG...