Most retirement plans overlook the Medicare trap.
One mis-timed dollar of income can quietly add thousands to your Medicare premiums through IRMAA. I help retirees and those approaching 65 coordinate income, taxes, and Social Security — so you keep more of what you've earned and retire with confidence.
“My job is simple: help you keep more of your own money, and make retirement feel calm instead of complicated.”
GEORGE CLOUGHER, CFP®The rules that built your wealth don’t apply in retirement.
Once you turn 65, your income decisions ripple into your Medicare premiums, the taxes on your Social Security, and how long your savings last. IRMAA is the surcharge most retirees never see coming — until it’s already deducted from their check.
One coordinated plan — not four disconnected ones.
Taxes, income, Social Security, and Medicare are deeply connected. I bring them together so every decision works in your favor.
Retirement Income Planning
Turn a lifetime of savings into a dependable paycheck — built to last through markets, inflation, and a long retirement.
Learn more →IRMAA & Medicare Planning
Time your income to stay under the surcharge cliffs — and keep thousands in premiums that would otherwise slip away.
Learn more →Social Security Optimization
Choose the right time to claim and coordinate spousal benefits — protecting the income IRMAA quietly reduces.
Learn more →Tax-Smart Withdrawals
Roth conversions, bracket management, and withdrawal sequencing that lower lifetime taxes — and your MAGI.
Learn more →A quiet tax on a successful retirement.
IRMAA — the Income-Related Monthly Adjustment Amount — is an extra charge on Medicare Part B and Part D for higher-income retirees. In 2026 it begins above $109,000 (single) or $218,000 (married), and climbs across five tiers.
Read the full IRMAA guide →Retirement, with the worry taken out.
“George caught an IRMAA cliff we were about to walk straight into. That one conversation more than paid for itself — for two years running.”
“For the first time, all of it — taxes, Social Security, Medicare — finally fit together. I actually understand my own plan now.”
“No products, no commissions, no pressure — just honest advice that's clearly on my side. That's rare.”
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A clear path, from first call to confident.
A Complimentary Conversation
We start with a relaxed 45-minute call to understand what matters most to you, answer your questions, and make sure we're the right fit — no cost, no obligation.
Your Coordinated Plan
I map your income, taxes, Social Security, and Medicare into a single strategy — modeling IRMAA thresholds years ahead so nothing catches you by surprise.
Guidance That Adapts
Tax law, markets, and your life all change. We meet regularly to keep every moving piece optimized — so your plan stays a step ahead, year after year.
See what a coordinated retirement plan feels like.
A complimentary 45-minute conversation — no products, no pressure. Just a clear look at where you stand and what’s possible.