Plain-language notes on U.S. tax deadlines, IRS letters, cross-border reporting and running a small business, written by the CPAs who handle these questions every day.
2026 Medicare premiums use 2024 MAGI. Above $109,000 single or $218,000 joint, Part B and Part D both carry an IRMAA surcharge, up to $689.90 plus $91.00 per person per month. After retirement, divorce, a spouse's death or another of 8 life-changing events, Form SSA-44 asks SSA to use your newer income.
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The years after you retire and before Social Security and RMDs are often the best time to convert traditional IRA money to a Roth. Conversions are ordinary income with no 10% penalty and can't be undone. Includes a 2026 joint-return example filling the 12% bracket and notes on Medicare premiums, ACA credits, state tax and estimated tax.
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Articles are general information, not tax or legal advice for your specific situation.
