Your Medicare premiums could be based on income you earned two years ago—not what you're earning today. And for retirees, that difference could mean hundreds or even thousands of dollars in unexpected Medicare costs.

In this episode of Money Moves with MFG, we break down how Medicare premiums are calculated, why some retirees face higher costs even after their income drops, and what you may be able to do about it.

We'll cover:

• How Medicare's two-year income lookback works
• Why crossing an income threshold by just $1 can trigger significantly higher premiums
• What IRMAA is and how it affects your Medicare costs
• How Form SSA-44 may help reduce your premiums after retirement or another qualifying life event
• Whether you're approaching retirement or already enrolled in Medicare, understanding these rules could help you avoid costly surprises.

👉 Schedule your free smart retirement planning call here and let’s build a strategy tailored to your goals

📅 Check out our upcoming events — including weekly Wealth Wednesday webinars and in-person seminars

Retirement is full of decisions, but some moments carry more weight than others—and you may only get one chance to navigate them well.

In this episode, we explore several pivotal financial moments that can shape your retirement and your family’s future. What happens if retirement arrives earlier than expected? How do you prepare for an aging parent who may suddenly need care? What should you do when an inheritance arrives before you’re ready? And is your estate plan actually prepared to work the way you intended?

We’ll also discuss why flexibility matters when building retirement income, how taxes and market timing can affect your plan, the importance of slowing down before making decisions around an inheritance, and why beneficiary designations and estate documents shouldn’t be something you simply “set and forget.”

The common thread? The decision may happen once, but the preparation often starts years earlier.

Whether retirement is right around the corner or still several years away, this episode will help you think ahead for the moments you can't always predict—but can prepare for.

👉 Schedule your free smart retirement planning call here and let’s build a strategy tailored to your goals

📅 Check out our upcoming events — including weekly Wealth Wednesday webinars and in-person seminars

We’ve all been there—checking our accounts too often, panicking when the market drops, or chasing the “next big thing.” In this episode, we break down the psychology behind these emotional habits and reveals how understanding your behavioral biases can help you make smarter, calmer investment decisions.

👉 Schedule your free smart retirement planning call here and let’s build a strategy tailored to your goals

📅 Check out our upcoming events — including weekly Wealth Wednesday webinars and in-person seminars