Live Educational Workshop
for Pre Retirees and Retirees
Monday, April 27, 2026 at 6:00 PM
• George Nakano Theater
3330 Civic Center Drive, Torrance, CA 90503
IRMAA + Roth Conversion Workshop
Why Pre-Retirees and Retirees Are Paying Thousands More for Medicare Without Realizing It
The hidden IRMAA rules and how Roth strategies help control your income before it’s too late.
Most pre-retirees and retirees do not get blindsided by the market first. They get blindsided by taxes, Medicare surcharges, and poor withdrawal timing. This workshop shows you where the trap is and how to plan around it.
FOCUS
IRMAA, Medicare costs, Roth conversion timing
WHO IS IT FOR
Baby boomers, pre-retirees, and retirees
PRESENTED BY
Angelica Roxas, CTA
Certified Tax Advisor
Featured Guest Speaker: Independent Agent sharing how Medicare works and how to choose the right coverage.
What most pre-retirees and retirees miss
A retirement account balance does not tell you what you will keep. The real question for pre-retirees and retirees is how future income hits taxes, Social Security, and Medicare.
IRMAA can raise your Medicare premiums
Many pre-retirees and retirees do not know Medicare premiums increase when income crosses certain thresholds. A single income event can cost more than expected.
Poor timing creates tax stacking
One withdrawal can trigger ordinary income tax, more Social Security taxation, and higher Medicare costs at the same time.
RMDs can push income higher later
Waiting too long to plan leaves fewer options. Large future required distributions can push pre-retirees and retirees into brackets they never expected.
Presented by Angelica Roxas, CTA
Distribution income planning,
not generic retirement advice
Most advisors focus on building assets. Angelica focuses on what happens when you start taking income and how those decisions affect taxes and Medicare.
Why this matters
Your income strategy in retirement decides what you keep, what you lose to taxes, and what you pay for Medicare.
This workshop is built for baby boomers who want clarity before retirement costs rise
If you are within a few years of retirement or already taking income, you need to know how withdrawals, Roth conversions, Social Security, and Medicare interact.
Pre retirees who want to avoid preventable Medicare surcharges
Retirees with IRAs, 401(k)s, pensions, or brokerage accounts
Households thinking about Roth conversions but worried about taxes
People who want more control over net retirement income
What you will learn at this workshop
This session explains the real cost of ignoring IRMAA and the planning decisions pre-retirees and retirees can make to improve long term retirement income.
How IRMAA works
What IRMAA is, why it surprises people, and how Medicare uses prior income to determine future premiums.
What income counts and what does not
Learn which income sources increase IRMAA and which strategies create more flexibility in retirement.
When Roth conversions make sense
See why Roth conversion timing matters and how the wrong year can trigger unnecessary Medicare costs.
How to reduce future tax pressure
Understand how strategic planning before RMD years can help lower future tax layering and improve cash flow
Why people attend
Pre-retirees and retirees attend because they want to stop guessing and see how income decisions play out in real dollars.
Understand how one income decision can trigger a higher Medicare bracket
Learn the tax impact of withdrawals from traditional retirement accounts
See how Roth strategies fit into long range retirement tax planning
Find out where most retirement plans leave blind spots
Get a sharper framework for protecting net income in retirement
Workshop details
Date
Monday, April 27, 2026
Time
6:00 PM
Location
Katy Geissert Library
Topic
IRMAA and Roth Conversion planning for pre-retirees and retirees
Reserve your seat before pre-retirement and retirement decisions cost you more
If your current plan does not show how taxes, Medicare premiums, and Roth conversion timing work together, then you are missing a major part of pre-retirement and retirement planning.
Presented by Angelica Roxas, CTA. Educational content for informational purposes only. This page was drafted from the user provided workshop deck on Medicare, IRMAA, and retirement income planning.