Selling stocks, bonds, or real estate at a profit results in capital gains, which are included in MAGI calculations for IRMAA 2026. If an individual sells assets in 2024, the capital gains could push them into a higher IRMAA bracket in 2026. Tax-efficient investing strategies, such as tax-loss harvesting, holding assets longer to qualify for lower long-term capital gains rates, or usi... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets