Stay informed about IRMAA for 2026 and how upcoming Medicare surcharges may affect your retirement budget. Federal Pension Advisors offers clear guidance to help federal employees understand income thresholds, plan withdrawals wisely, and avoid costly surprises. Get expert insights to stay prepared, protect your retirement income, and make smarter financial decisions for the year ahead. https://www.federalpensionadvisors.com/post/usda-rif-2025-latest-updates-on-usda-layoffs