On November 8th, 2024, Medicare announced that in 2025, Medicare Part B will cost $185 per month per person—an increase of about $10.30 from 2024. Keep in mind, if your income is above a certain point, you’ll have to pay an “Income-Related Monthly Adjusted Amount,” or “IRMAA” tax. Is there a way to avoid paying the IRMAA surcharge? I share some strategies in this episode of Retire with Ryan.

• [1:25] How to get a FREE copy of “10 Costly Medicare Mistakes”
• [2:20] The cost of Medicare Parts A, B, and D in 2025
• [4:26] When you would pay a higher Medicare premium
• [8:32] What you can do to appeal the IRMAA Surcharge
• [10:02] What you can do to avoid the IRMAA Surcharge

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• 2025 Medicare Parts A & B Premiums and Deductibles
• Form SSA-44: Medicare Income-Related Monthly Adjustment Amount

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In this episode, we’re diving into the often-overlooked tax benefits of 529 plans. Most people know that 529 plans can help cover college expenses, but there are other valuable perks beyond just tuition savings.

From paying down student loans to making the most of tax deferral advantages, this episode breaks down five key tax benefits you may not be aware of. Let me help you maximize the potential of your 529 plan.

• [1:39] What are 529 plans?
• [3:04] Repaying student loans
• [4:14] Covering K-12 expenses
• [5:20] Tax deferral
• [8:10] Roth conversion
• [12:40] Potential state tax deductions

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• How To Complete a Fidelity 529 To Roth IRA Rollover
• 6 Ways To Use An Old CHET 529 Plan

www.MorrisseyWealthManagement.com/contact

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The S&P 500 is having another stellar year, yet small-cap stocks—representing the smallest publicly traded companies in the United States—haven't performed as well. While this might seem like a downside, it can also present unique opportunities for investors. In this episode, we’ll dive into the pros and cons of investing in small-cap stocks, the potential growth they offer, and how you can get started.

• [0:51] Should you consider investing in small-caps?
• [1:59] What are small-cap stocks?
• [3:28] Pros and cons of small-cap stocks
• [5:00] The growth potential of small can stocks
• [7:03] Why is there a projected turnaround?
• [8:23] How do you invest in small-cap stocks?
• [11:17] How to invest in value stocks

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Is the small-cap Premium Dead?
• The Russell 2,000
• The S&P 600
• VB Vanguard small-cap S&P Index
• IJR ETF
• SPSM
• SLYV

www.MorrisseyWealthManagement.com/contact

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