Send us your toughest Roth conversion or Medicare surcharge case. We design it with you, hand you a client-ready deliverable under your firm's brand, and coach you through presenting it — so you walk into the meeting with the numbers already won.
A designed case shows your client an avoidable five-figure surcharge bill, live on screen — that number does the selling to them. But don't compare $799 to your client's savings. Compare it to what a closed client is worth to your practice.
What the client sees
$11,539
Avoidable Medicare surcharges in the sample case — the number that turns a prospect meeting into a decision. It opens wallets. It just isn't your ROI.
What winning is worth
~$10,000/yr
One $1M household at industry-median advisory fees — recurring revenue, year after year. Median RIA client retention has held at 97% for a decade.
What it costs you
$799 once
Versus a median of roughly $3,800 in marketing time and dollars just to acquire one new client. This is the cheapest revenue in your funnel — the prospect is already on your calendar.
Close the client, and one case repays its fee roughly 12× in the first year — then keeps paying every year they stay.
The typical advisor adds fewer than two dozen new clients a year, so every at-bat counts. And the same math protects the book you already have: a decade of one $1M household at median fees is six figures of revenue — walking in the door, or quietly walking out over an IRMAA letter with your name on the advice.
Illustrative math from industry benchmarks: 2026 Medicare premium and IRMAA figures; ~1% median advisory fee on $1M–$1.5M households and per-client revenue medians (McKinsey/PriceMetrix; Charles Schwab RIA Benchmarking); ~$3,800 median client acquisition cost, mostly advisor time (Kitces Research, 2023). Individual results depend on each practice and client. Not tax or legal advice.
This is not a report generator. It's a case-design desk with an IRMAA specialist on it — and coaching so the case wins the meeting.
A fully built IRMAA-aware plan for your client: Roth conversion schedule, MAGI projections year by year, surcharge tiers mapped against the two-year lookback, and the before/after dollar difference on one page.
The same client, two plans, side by side — what the current path costs in Medicare surcharges versus the designed alternative. The number does the selling for you.
What happens when one spouse passes and the household drops to single-filer thresholds. Most plans never model it; it is often the moment a prospect decides to move.
We join you live for the client presentation, or rehearse it with you beforehand — whichever you prefer. You run the meeting; we make sure the case lands.
A recorded walkthrough of how to present the case: what to show first, where clients get confused, and how to frame the trade-offs so the next step is obvious.
Deliverables export with your firm’s logo on them, not ours. Your client sees your practice doing sophisticated planning work.
Built for a busy practice: you stay the advisor, we carry the analysis.
Share the client facts — ages, filing status, income sources, account balances, and what you’re trying to accomplish. A short intake call covers the rest.
We build the case with you: conversion schedule, MAGI path, surcharge tiers, Social Security taxation, and the survivor picture — and walk you through every number.
You get the client-ready deliverable plus coaching on presenting it. We can even join the meeting. You close the client; the case does the heavy lifting.
Your case is designed by the team behind RetirementAdvisorPro and the IRMAA Certified Planner program — the training that has certified hundreds of advisors on Medicare surcharge planning, with work presented to firms like T. Rowe Price, Aegis, and NSSA.
This is the niche we live in every day. When your case involves an IRMAA cliff, a two-year lookback, or a survivor threshold, you are not renting a generalist paraplanner — you are borrowing a specialist desk.
If IRMAA cases keep landing on your desk, ongoing practice coaching installs the process — so your team runs these cases without us.
Explore Practice CoachingEvery case we design is built in RetirementAdvisorPro. Subscribers can model the same cliffs, conversions, and survivor scenarios in minutes.
Request a DemoIRMAA case design is building a retirement income plan around Medicare’s income-related surcharge brackets. Because IRMAA uses a two-year MAGI lookback and hard bracket cliffs, moves like Roth conversions can quietly trigger thousands in surcharges. A designed case sequences income so the client sees the trade-offs before they happen.
One complete case: the intake call, the fully built plan with before/after comparison and survivor analysis, a client-ready deliverable branded to your firm, presentation coaching on video, and a present-with-you session for the client meeting. There are no ongoing fees — it is a flat, per-case price.
Most cases are ready to present within a few business days of the intake call, depending on complexity. If you have a client meeting on the calendar, tell us the date and we will work backwards from it.
No. Case design is a standalone service. Many advisors use it to see what IRMAA-aware planning looks like before deciding whether to bring the software in-house — and if you later subscribe, you can build cases like this yourself.
Only if you tell them. Deliverables carry your firm’s logo and branding. We operate as your case-design desk behind the scenes.
Roth conversion timing near IRMAA cliffs, retirees within a few thousand dollars of a bracket threshold, widow/widower transitions to single-filer thresholds, and any prospect meeting where showing the surcharge math live would win the client.
Book a call, walk us through the client, and we'll tell you on the spot whether a designed case will change the outcome. If it won't, we'll say so.
Book a Case Design Call — $799 Flat