@SLYKTAX welcome to the club.... it is incredible how many times I find someone (and I was once one of them) who doesn't know about IRMAA.. HOWEVER, I wouldn't overly focus on it. Think of it as a 2% additional income tax on the margin- that is all.
Assuming you don't liquidate your entire IRA in your lifetime (i.e. some of it will be inherited), the value of the Roth conversions - because your heirs will be able to let that grow for an additional 10 years tax free - is far more valuable than the cost of paying IRMAA.
if you attempt to avoid IRMAA, then your IRA RMDs could just balloon as you age. Most just focus on their first RMD's being around 4% of the balance....but if you live to 90, then the RMD's will exceed 10% per year!
IRMAA is a the tail of the dog....don't let it wag you!
