Private Client Solutions

 We are absolutely thrilled to welcome you to this premier tier of financial management. Reaching a milestone of over $2.5 million in investable assets is an extraordinary achievement that opens doors to incredible financial opportunities.

At this wealth level, your capital is no longer just about daily banking—it is a powerful tool for generation-defining growth, legacy building, and optimized tax efficiency.

What Changes at the $2.5M+ Tier?

Stepping into this exclusive bracket shifts you into a highly specialized ecosystem designed to maximize every dollar.

• Your Personal Quarterback: You bypass standard customer service entirely. A Senior Wealth Advisor handles your account, coordinating your portfolio, taxes, and legal planning under one cohesive vision.
• Institutional Investment Access: You transition from basic mutual funds to elite, invitation-only opportunities. This includes private equity, private credit, and venture capital rounds.
• Advanced Tax Alpha: Your team implements active strategies like tax-loss harvesting, asset location, and charitable giving vehicles (like Donor-Advised Funds) to shield your gains.
• Elite Liquidity Solutions: Enjoy access to massive, flexible borrowing power. Use Pledged Asset Lines (PALs) to secure low-interest loans against your portfolio without selling your stocks and triggering capital gains taxes

•  Bespoke Portfolio Modeling: Customized asset allocation built entirely around your specific risk tolerance, cash flow needs, and time horizons.
• Generational Estate Planning: Creation of advanced trust structures to ensure your wealth passes to your heirs smoothly, privately, and with minimal tax impact.
• VIP Banking Concierge: Absolute priority processing, completely waived transactional fees globally, and highest-tier credit card product invitations.

The government calculates IRMAA surcharges using a rigid, retrospective system that catches many unprepared retirees off guard. 

• The Two-Year Lookback Rule: Surcharges are calculated using your Modified Adjusted Gross Income (MAGI) from two years prior. For instance, your 2026 Medicare premiums are dictated by the tax return you filed for 2024. A high-income year right before retirement triggers costly surcharges years later.
• The "Cliff" Effect: IRMAA thresholds act as strict financial cliffs rather than progressive tax brackets. Exceeding an income tier by just one dollar forces you to pay the entire surcharge for that bracket. In 2026, crossing the single threshold of $109,000 by a single dollar costs nearly an extra $1,000 annually per person.
• Triggers from Financial Windfalls: Common, uncoordinated retirement moves instantly spike your MAGI. These sudden wealth transfers include:
  • Selling a highly appreciated home or investment property.
  • Liquidating large blocks of stocks or mutual funds with high capital gains.
  • Taking massive, un-optimized distributions from Traditional IRAs or 401(k) plans.
• The "Widow Trap": When a spouse passes away, the survivor's tax filing status changes from Married Filing Jointly to Single. The single IRMAA thresholds are cut exactly in half ($109,000 vs. $218,000). If the household income stays relatively level, the surviving spouse can automatically jump up multiple IRMAA tiers.
• Mandatory Age-Based Withdrawals: If you fail to draw down traditional pre-tax retirement accounts early, you will face Required Minimum Distributions (RMDs) starting between ages 73 and 75. These mandatory, fully taxable distributions flow into your MAGI, creating permanent, un-voidable IRMAA surcharges. 

How IRMAA Can Be Avoided Through Strategic Planning

With deliberate, multi-year wealth management, you can intentionally lower your MAGI to keep your income below key IRMAA thresholds.

 Brookwood is headquartered at 3930 E. Ray Road, Suite 155, Phoenix AZ 85044.  It is important to read our disclosures available at this link: https://brookwoodinvestmentgroup.com/disclosures/.   Advisory Investments contain risk which may result in the loss of principal.

Our representatives are licensed insurance agents with affiliated or non-affiliated companies. In this role, they may recommend certain insurance-related products for which they may receive compensation via direct commissions.  This creates a potential conflict of interest, as the commission earned could influence their recommendations. It is crucial that you review your representative's Brochure Supplement to understand any potential conflicts.

You are under no obligation to purchase any commission-based products from our representatives. You are free to purchase insurance-related products recommended by our representatives through other, non-affiliated representatives and/or companies.

Our advisors do not give legal or tax advice.  You should always consult with a licensed professional in these areas concerning your financial plan.   Our professionals may provide referrals but do not practice law nor prepare tax documents.