Baron Whitmore
Baron Whitmore
An attorney-engineered tax architecture designed to identify, decompress, and re-route the lifetime tax explosion embedded inside traditional retirement plans for families 50+ with $2M+ saved in tax-deferred accounts.
Attorney-drafted • Integrated with your CPA/advisors • Limited new families accepted each quarter
Strategy team focused on affluent families facing RMD spikes, bracket creep, and compressed inheritance timelines.
Most affluent families did what they were told: max out pre-tax accounts, defer tax, and assume that “later” would take care of itself. But the tax code layers RMDs, bracket increases, IRMAA surcharges, and inheritance rules onto those same dollars.
That stack of timing rules becomes a tax bomb — one that tends to detonate in your 60s, 70s, and when assets pass to heirs.
The Tax Bomb™ Strategy starts from a different premise: your retirement is a tax-timing system, not just a collection of investments. The work is to redesign that system — within the law — so the “explosion” is mapped, managed, and decompressed on your terms.
Model when and where your tax exposure is likely to spike under current rules — before it happens.
Replace uncontrolled RMD spikes with staged, planned income windows aligned with your brackets and lifestyle.
Use trust-driven architecture to reduce the impact of compressed inheritance rules on your heirs over time.
Layer 1 — Detonation Curve Mapping
We map accounts, brackets, RMD trajectory, inheritance windows, and spousal risk to quantify
how your “tax bomb” is currently set to explode over time.
Layer 2 — Structural Redesign
Attorneys design a trust-centered framework that redirects, stages, or shelters income flows
so fewer dollars land in peak-pressure years.
Layer 3 — Coordinated Implementation
We coordinate with your CPA and advisors so legal structure, funding, and elections work in
concert — not at cross purposes.
Layer 4 — Governance & Stewardship
Ongoing review and document governance as laws, markets, and family circumstances evolve.
Markets fluctuate. Tax rules compound. Without architectural control of timing, brackets, and inheritance, the real explosion happens quietly inside the tax system — not your investment statement.
Andrej Kandus serves as lead strategic architect for the Tax Bomb™ Strategy — focused on how retirement tax rules, trust law, and real-world family dynamics interact over decades, not just one filing year.
His central question is simple: “How do we re-design a family’s retirement structure so the ‘tax bomb’ is mapped and controlled instead of left to explode on the IRS’s schedule?”
When you explore the Tax Bomb™ Strategy, you are not reviewing a single product — you are engaging an architecture that Andrej and the Baron Whitmore team design specifically around your numbers, your family, and the legacy you want to protect.
| Feature | Tax Bomb™ Strategy | Full Roth Now | Do Nothing |
|---|---|---|---|
| Future Tax Exposure | ✔ Quantified and staged over a planned runway | ✔/✖ Lower later, but large tax hit now | ✖ Exposed to higher future brackets |
| Control of Timing | ✔ Engineered income windows and distributions | ✖ Irreversible move; timing is “now” | ✖ Driven by IRS RMD schedule |
| Legacy Design | ✔ Trust-based instructions for heirs | ✖ Limited structural options for heirs | ✖ Default 10-year drain for beneficiaries |
| Cash-Flow Shock | ✔ Managed across a designed time-frame | ✖ Up-front tax shock in conversion year(s) | ✖ RMD spikes later in life |
This comparison is simplified and for educational illustration only. Actual outcomes depend on your specific facts, tax law at the time of implementation, and coordinated advice from your legal, tax, and financial professionals.
Before: bracket creep, IRMAA pressure, RMD spikes, and heirs facing an accelerated 10-year drain.
After the Tax Bomb™ Strategy: mapped detonation curve, staged income corridors, reduced lifetime tax
exposure, and clearer legacy instructions for heirs.
Illustrative only. Every family’s facts and outcomes differ.
We finally understood where our real tax pressure was coming from — and what levers we could legally control. Everything felt deliberate, not rushed.
This was not another product pitch. It was a complete re-design of how our retirement is taxed and how our heirs inherit.
The legal structure, funding plan, and filings all spoke the same language. Implementation felt calm, coordinated, and on one unified timeline.
Our income no longer jumps brackets just because the IRS says so. The RMD curve is now mapped and managed instead of surprising us in our 70s.
The 10-year inheritance rule used to keep us up at night. Now there is a clear framework for how assets are distributed, taxed, and protected for our heirs.
For the first time, legal, tax, and planning were engineered as one architecture — not separate professionals giving us conflicting opinions.
We were shown multiple legal timing paths instead of being pushed into an “all-in” Roth decision. The structure preserved flexibility at every step.
It didn’t stop at documents. There is an ongoing governance and review process so the structure doesn’t drift as tax law or our family situation changes.
This did not feel like retail financial planning. It felt like a strategy built for complex families with significant retirement assets and real tax exposure.
Below are the core questions affluent families ask when evaluating the Tax Bomb™ Strategy. More complex situations are handled in a private consult.
It is a bespoke, trust-based framework that maps where your retirement tax exposure is likely to spike and then re-engineers how and when income shows up — for you, your spouse, and your heirs — using existing legal and tax mechanisms.
Traditional planning focuses on investments and products. This architecture focuses on the underlying tax system — RMDs, brackets, surcharges, and inheritance windows — and then designs trusts and income windows around that system.
No. Roths may still play a role. The strategy evaluates where, when, and if Roth conversions make sense inside a broader timing and legacy plan, instead of relying on an “all-in” conversion.
Tax rules are calendar-driven. When income shows up — relative to brackets, IRMAA thresholds, and inheritance windows — can materially change what you keep versus what the IRS collects. The architecture is designed to regain that timing control.
Most implementations run over several weeks, depending on complexity and how many advisors are involved. The work includes design, drafting, coordination with your CPA/advisors, funding, and governance handoff.
In this private overview, we walk through how RMDs, bracket stacking, and inheritance rules combine into a retirement tax bomb — and what changes, legally and structurally, when the architecture is upgraded.
Most families don’t realize forced income, RMD timing, and inheritance rules quietly place the IRS in control of their retirement cash flow unless the architecture is redesigned.
We only review a limited number of new Tax Bomb™ cases each intake window. Submissions received before the deadline below are considered for this review period; later submissions are automatically rolled into the next window.
When this intake window closes, new submissions will be considered for the next review period.
We maintain a deliberately limited client roster to protect the quality of our work and the depth of attention each family receives. If you meet the basic criteria and wish to explore whether the Tax Bomb™ Strategy fits your situation, submit a confidential request below.
Before any strategy is proposed, Baron Whitmore runs a Tax Detonation Diagnostic™. This is not a product pitch. It is a legal and tax-timing review that maps where your current structure is quietly setting up a tax “explosion” — and where you still have room to act while the rules are in your favor.
We model how required minimum distributions, bracket drift, and the 10-year inheritance rule interact with your existing accounts. You see, across time, when the tax system is likely to demand more from you, your spouse, and your heirs.
We show what happens if one spouse dies first, how the surviving spouse’s bracket and Medicare costs may change, and how much of your current tax-deferred balance may show up as taxable income to children or other heirs under current law.
Instead of a generic “you should do something,” we identify whether your situation is likely to benefit from legal and tax-architecture changes now, or whether staying your current course is more appropriate for your objectives and risk tolerance.
The goal is simple: bring the real tax timeline into view so you can decide, with clear information, whether the Tax Bomb™ Strategy or any advanced planning is worth exploring for your family.
Use this simple illustration to see how much of a tax-deferred account could be exposed to lifetime taxation under a traditional approach versus an advanced legal-architecture framework. This is a simplified, educational model — not a prediction or guarantee.
Note: This tool focuses on federal retirement taxation using simplified assumptions and ignores state tax, future law changes, and planning already in place. It is for educational illustration only.
Filter: If this number exceeds $250,000, you need a diagnostic — not more opinions.
This illustration uses a simplified range of effective tax rates to highlight how structure and timing can influence exposure. Actual outcomes depend on future tax law, investment results, elections, state of residency, and your specific planning. This is not legal, tax, or investment advice.
Important Disclosures. The Tax Bomb™ Strategy is a legal and tax-structuring framework, not a product or investment. The information on this page and in the briefing is for educational purposes only and is not individualized tax, legal, or investment advice. Outcomes will differ based on each family’s specific assets, tax situation, objectives, and risk tolerance. You should consult your own tax advisor, attorney, and/or investment professional before making any decision.
Some professionals associated with Baron Whitmore are also registered representatives and/or investment adviser representatives of Cabin Securities, Inc. and Cabin Advisors, LLC, each a registered broker-dealer or investment adviser and member of FINRA/SIPC, as applicable. Any discussion of investment or insurance solutions is made in that capacity and may involve products and services offered through those firms rather than through the law practice itself.
A more complete description of conflicts of interest, compensation, and regulatory affiliations is provided in our Privacy and Terms & Disclosures pages, which you should review carefully.
