Скачать или смотреть CDs vs FIAs: The IRMAA Trap Most Retirees Don’t See Coming

👉 Get a personalized CD vs Fixed Indexed Annuity comparison (IRMAA-aware):
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Many retirees use CDs for safety — but few realize how interest income can increase Medicare IRMAA surcharges, raising Part B and Part D premiums.
In this video, I explain:

• The key differences between Certificates of Deposit (CDs) and Fixed Indexed Annuities (FIAs)
• How IRMAA (Income-Related Monthly Adjustment Amount) actually works
• Why taxable interest income can unintentionally increase Medicare costs
• When FIAs may offer more tax-efficient growth or income
• How to think about safety, liquidity, income, and Medicare planning together

This is an educational comparison to help you make more informed retirement income decisions. It is not a one-size-fits-all recommendation.

Who this video is for:
• Ages 55–75
• Nearing or in retirement
• Holding money in CDs, savings, or money markets
• Concerned about Medicare costs, taxes, and reliable income

Important notes:
• IRMAA is based on modified adjusted gross income
• Retirement decisions should be made as part of a broader plan
• Individual results vary based on age, income, and timing

🔗 Want a custom comparison based on your age, income, and timeline?
Visit https://www.atlasannuitiesusa.com

Questions? Drop them in the comments — I read and respond.

Topics covered:
CDs vs FIAs
Fixed Indexed Annuities
IRMAA explained
Medicare income surcharges
Retirement income planning
Tax-efficient retirement strategies