easy · Certified Financial Planner Retirement

The Keene household matriarch is 65 years old and earns 300,000 as a physician. She and her spouse file jointly.

Which of the following 2026 thresholds is a 'cliff',where one dollar of overage triggers the entire surcharge for that tier?

  1. The Phaseout for Traditional IRA deductibility
  2. The Net Investment Income Tax (NIIT)
  3. The Medicare Part B IRMAA Surcharge
  4. The Ordinary Income 37% bracket

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