Again thank you very much for the info and advice as I have to explore then time when I have to roll my Trad to Roth so that I don't get into an IRMAA cliff for a lesser benefit.
I will look at what you have provided.
I never knew about the IRMAA and the first time I need to pay extra was also the first time my wife & I signed up for Medicare Part B. We were not prepared for that to happen when I had my wife cashed out from her 401K prior year and had our AGI exceeds by just $400 for IRMAA. Lesson learnt.
