Legal
Affiliate disclosure
Some links on IRMAA Cliff may be affiliate links. If you click one and sign up for or buy a service, we may receive a payment from the company. It does not change the price you pay or the numbers we show you.
How affiliate links work here
We may partner with companies whose services are relevant to IRMAA planning, such as matching you with a financial advisor or tax preparation software. When we include such a link, it appears in a clearly separated box with a short disclosure next to it, in line with the Federal Trade Commission's guidance on endorsements. Links are marked as sponsored for search engines.
At the time of this writing, no affiliate partnerships are active on the site. This page explains the policy in advance so that it is in place before any partnership begins.
What affiliate relationships never affect
- Our calculations. Premiums, limits, headroom and costs come from official sources and the same tested code for every visitor.
- Our explanations. We decide what to write based on what helps readers understand IRMAA, not on what earns a commission.
- Your price. Using an affiliate link does not increase what you pay.
Advertising
Separately from affiliate links, the site shows ads from Google AdSense. Ads are placed outside the calculators and are labeled. We do not choose individual advertisers and do not endorse the products advertised. See our privacy policy for how advertising cookies work.
Questions
If you have questions about a link or a partnership, email contact@irmaacliff.com. You can read more about who we are on the about page.