{"id":16,"date":"2026-09-14T15:00:00","date_gmt":"2026-09-14T15:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/corsiniinsurancesolutions-com\/2026\/09\/14\/a-2-1m-portfolio-two-very-different-tax-bills\/"},"modified":"2026-09-14T15:00:00","modified_gmt":"2026-09-14T15:00:00","slug":"a-2-1m-portfolio-two-very-different-tax-bills","status":"publish","type":"post","link":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/2026\/09\/14\/a-2-1m-portfolio-two-very-different-tax-bills\/","title":{"rendered":"A $2.1M Portfolio, Two Very Different Tax Bills"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/cindy-corsini\/million-portfolio-withdrawal-remotion-videos-1985\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Retirement planning isn\u2019t just about how much you\u2019ve saved\u2014it\u2019s about how and when you access those funds, especially when it comes to your Medicare costs. I see this firsthand working with clients transitioning to Medicare: two people can have the same $2.1M nest egg, but end up with very different tax bills and premiums depending on their withdrawal strategies.<\/p>\n<p>For example, a portfolio split between taxable savings and a traditional IRA might generate $117,400 a year, but where those assets are held impacts both your current efficiency and future tax pressure. For 2026, joint filers with a MAGI at or below $218,000 keep standard Medicare premiums\u2014go just one dollar over, and Part B jumps by nearly $284, plus additional Part D surcharges.<\/p>\n<p>If you drain taxable accounts first, your IRA could grow and lead to larger required minimum distributions (RMDs) later on, which may increase your Medicare costs. On the other hand, planning IRA withdrawals or conversions before RMD age can help reduce future pressure.<\/p>\n<p>My approach is to help you model these paths before year-end, keeping any conversions below the next IRMAA threshold, and reviewing your IRA holdings for any floating-rate, leverage, or concentration risks. It\u2019s about making Medicare decisions with clarity and confidence\u2014one step at a time.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Retirement planning isn\u2019t just about how much you\u2019ve saved\u2014it\u2019s about how and when you access those funds, especially when it comes to your Medicare costs. I see this firsthand working with clients transitioning to Medicare: two people can have the same $2.1M nest egg, but end up with very different tax bills and premiums depending [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":41,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-16","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/posts\/16","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/comments?post=16"}],"version-history":[{"count":0,"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/posts\/16\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/media\/41"}],"wp:attachment":[{"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/media?parent=16"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/categories?post=16"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.corsiniinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/tags?post=16"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}