IRMAA Expert • Advisor Coach • Solutions Architect
Mark helps financial advisors navigate Medicare income-related adjustments and optimize client retirement income strategies. He is the author of RetirementAdvisorPro’s IRMAA, Medicare, and Social Security planning resource library.
Connect on LinkedIn →Mark Annese is an IRMAA Certified Planner who specializes in the intersection of Medicare costs, Social Security timing, and retirement tax strategy. His work focuses on a blind spot in traditional retirement planning: the Income-Related Monthly Adjustment Amount (IRMAA), a Medicare surcharge that can add thousands of dollars a year to a household’s costs — and that most planning software ignores.
Through RetirementAdvisorPro, Mark builds planning tools that let financial advisors model how filing decisions, Roth conversions, and income timing ripple into Medicare premiums, IRMAA brackets, and lifetime taxes. His articles ground every recommendation in primary sources — SSA and CMS rules, current-year brackets, and published research.
Every guide on this site is written and maintained by Mark, with statistics refreshed as SSA and CMS publish new figures each year.
Mark breaks down how Medicare premiums, IRMAA, and benefit taxation quietly shrink retirement income — and what advisors can do about it.
Mark on how Medicare premiums and IRMAA surcharges stack up for higher-income retirees, and how income planning avoids the cliffs.
InsuranceNewsNet • July 8, 2026
Mark’s article for InsuranceNewsNet on why the gross Social Security benefit is not what reaches a retiree’s bank account: Medicare premiums deducted from the check, IRMAA surcharge cliffs, and federal taxation of up to 85% of benefits.
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