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Introducing Two New Flowcharts: IRMAA Surcharges and Medicare Eligibility

August 28, 2018
New Flowchart Additions

We are excited to make available two additional flowcharts to our Retirement Planning Essentials package.  These two flowcharts can help you and your clients with the complexities related to Medicare eligibility and details on the IRMAA surcharges.  This brings the total number of flowcharts up to 19.

Will I Avoid IRMAA Surcharges on Medicare Part B and Part D? This flowchart addresses the confusion about if and when a client is subject to IRMAA surcharges.  It covers the surcharges based on a client’s MAGI and the situations that could result in an exception.   

Am I Eligible for Medicare Part A and Part B? This flowchart covers the eligibility and costs for Medicare Part A and Part B. It addresses some of the common situations where Medicare eligibility is not clear, such as cases when someone has less than 40 Social Security work credits.

What do you think of these two new flowcharts? Are there any decision points that should be added? Send me an email directly with any ideas or feedback.

Revisit a Flowchart

Doing a 401(k) rollover into another 401(k) or an IRA requires a lot of consideration.  Fees and expense ratios are only two discussion points that must occur.  In reality, there are some rules unique to IRAs and other rules unique to 401(k)s.  It’s important to identify and understand the impact these rules could have on your client before doing a rollover.  To help guide the conversation and ensure that all the major issues are considered, we developed the “Should I Rollover My Dormant 401(k)?” flowchart.  If you have a client changing jobs or evaluating a rollover you may find this helpful.

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What Customers Are Saying About Us

Hundreds of other advisors are actively using fpPathfinder. Read what those lovely people have to say about us.
“It is very helpful for us when we have a client in and we have an issue at hand. Walking through the checklist helps us big time.”
— William, an advisor In Massachusetts
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— Meghan, an advisor in Georgia
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— An advisor in Utah
“fpPathfinder is a great tool! It mirrors much of what I've developed on my own for tax planning, life events, etc. However, it's been great to double-check my own work in those areas and also to motivate me to deepen my knowledge on other topics”
— Jonathan, an advisor in Colorado
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— Cathy Curtis, Curtis Financial Planning
“Thanks for having all of these so conveniently put together. We were working on many of these for years, but often could not find the time to keep them updated. This has been a blessing to our firm. ”
— An advisor in Texas
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