A. Yes, there is a creative and newly emerging way for wealthy investors find a way to escape the new 3.8% Medicare surtax. The solution lies in Peer-to-Peer (P2P) lending.
First, this is a long term strategy, because the nature of P2P loans is illiquid.
Second, if your income is too high for a Roth IRA or a deductible IRA, you can open a nondeductible IRA (annual contribution limit is $52K).
Third, invest a portion of the IRA money in a P2P portfolio, interest earned will be tax-deferred rather than being taxed at the investor's ordinary income tax rate, in this way, you can also avoid the 3.8% Medicare surtax.
In short, the P2P is really a gift for the wealthy investors.
The largest P2P marketplace is Lending Club, you can go there, open an account and fund a small amount to start with, but make sure not to allocate more than 10% of your retirement portfolio to it.