Charitable Giving to Stay Within IRMAA Brackets 2026 Charitable giving can be a strategic tool for managing your Modified Adjusted Gross Income (MAGI) and avoiding higher 2026 IRMAA brackets. By making qualified charitable distributions (QCDs) directly from your IRA to a qualified charity, you can reduce your taxable income. This approach helps lower your IRMAA 2026 exposure while su... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets