Complimentary IRMAA Workshop: The Shadow Tax on Your Retirement

Learn how a Medicare surcharge most retirees have never heard of can cut a Social Security check nearly in half — and what you can do before it hits.

Date(s) Available:

Tuesday, 11/10/2026 @ 6:30 PM
Thursday, 11/12/2026 @ 6:30 PM

Plymouth Community Center - Aspen Room
14800 34th Avenue North
Plymouth, MN 55447

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We believe that education leads to confidence, and confidence to peace of mind.

Complimentary IRMAA Workshop!

You will benefit from this seminar by learning:

1. What IRMAA is and why it's based on your tax return from two years ago

2. The 2026 income thresholds — and how close you may already be

3. Which income sources count toward IRMAA, and which don't

4. How to run an IRMAA Stress Test on your own plan before you enroll

This presentation will cover:

How a Medicare surcharge can reduce your Social Security check at the age you need it most.
Why the Medicare "Hold Harmless" protection does not apply once you're in an IRMAA bracket.
How MAGI is calculated, and the two-year lookback the SSA and IRS use.
What the SECURE Act 10-year rule on inherited IRAs can do to your income.
What Medicare Part B and Part D premiums are projected to cost over a full retirement.
The income sources that don't count toward IRMAA at all.

Meet your Host:

Michael C. McCracken

Founder

With nearly 30 years of experience in financial services, Mike McCracken is passionate about helping retirees and those approaching retirement protect what they've worked so hard to build.

As an IRMAA Certified Planner™, Mike specializes in helping retirees understand how taxes, Social Security, and Medicare premiums interact—and how thoughtful planning may help reduce unnecessary costs.

Mike is the founder of Wealth Guide Financial and creator of the Retirement Fortress System™, designed to help retirees identify hidden financial threats he calls Stealthy Wealth Drainers™.

His mission is simple: Help you retire smart, spend wisely, and sleep well.

Wealth Guide Financial

(763) 270-8040

mike@wealthguidefinancial.com

10650 County Rd 81, Suite 103

Maple Grove, MN 55369

Most retirees don't hear the word IRMAA until the letter arrives. Come hear it first.

Who Should Attend This Workshop?

Adults aged 58–70 preparing for retirement
Those already retired who haven’t reviewed their IRMAA exposure
Anyone looking to maximize Social Security and minimize taxes
Individuals or couples with moderate to high incomes approaching Medicare age
People looking for education—not a sales pitch

IRMAA Letters

SAMPLE 2024 IRMAA CLIENT LETTER

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IRMAA Letter

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Register today!

Event to Attend

Tuesday, 11/10/2026 @ 6:30 PM at Plymouth Community Center - Aspen Room Thursday, 11/12/2026 @ 6:30 PM at Plymouth Community Center - Aspen Room

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Michael McCracken is an investment advisory representative of and provides advisory services through CoreCap Advisors, LLC. Wealth Guide Financial, LLC and CoreCap Advisors are separate and unaffiliated entities