VIDEO: Smart Roth IRA Strategy: Lower Your Taxable Income and Save on Health Premiums

Insurance, Retirement Funding

October 21, 2025
By Leah Woodly

Are you buying health insurance through the Marketplace and worried about losing your subsidy? Your taxable income determines how much help you get and how much you pay for health insurance premiums.

In this video, Certified Financial Planner® Leah Woodly, CFP® explains how Roth IRA withdrawals can help you keep your Modified Adjusted Gross Income (MAGI) low enough to qualify for valuable health insurance subsidies.

You’ll learn:

How the Marketplace (ACA) calculates income for subsidies
Why Roth IRA withdrawals don’t count toward MAGI
How to combine Roth and traditional withdrawals to stay within income limits
A simple example showing how this strategy can save you thousands

If you’re planning for early retirement or managing income before Medicare age, this is a must-watch.

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This material is intended for educational purposes only. You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. Nothing in this material constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. Dorval & Chorne Financial Advisors is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.

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