Real-World RMD Planning Examples
Reduce or Eliminate RMD-Driven Taxes & Medicare Surcharges on $2M+ Retirement Accounts



Private consultation available for qualified households. (Offered on a complimentary basis. Not tax or legal advice.)
Real-World RMD Planning Examples
How advanced planning may help households with $2M+ retirement accounts reduce RMD impact, improve tax efficiency, and maintain greater control.
CASE STUDY

$3.4M IRA Couple
$800,000-$1M+ in Projected Tax Savings

A retired couple with $3.4 million in traditional IRAs was concerned that future Required Minimum Distributions (RMDs) could force unnecessary taxable income and increase their long-term tax burden.
Through a coordinated planning approach, we restructured their distribution strategy to reduce projected RMD exposure and improve control over when and how income is taken.

The Result:
The strategy projected $800,000-$1M+ in lifetime tax savings while improving flexibility, income control, and overall tax efficiency throughout retirement.
CASE STUDY

$3M Executive Couple
Up to 2X More Lifetime Income

66-year-old retired executives with $3 million in tax-deferred accounts were concerned about rising taxes and whether their retirement income would truly last.
We designed a coordinated strategy to reduce future tax exposure and optimize how their income is generated over time.

The Result:
By implementing the Kandus Method™, the couple unlocked the potential for up to $6 million in lifetime income—$3M more than originally planned—gaining greater control and confidence in their retirement plan.
CASE STUDY

High-Net-Worth Family
$1M+ in Potential Tax Savings


A high-net-worth family with $4.7 million in retirement accounts faced growing RMD exposure, Medicare surcharges, and increasing taxes on Social Security that threatened to reduce long-term retirement wealth.
Using the Kandus Methodâ„¢, we developed a coordinated strategy designed to reduce future tax exposure and improve control over how and when retirement income is taken.

The Result:
The strategy projected over $1 million in potential lifetime tax savings while improving income control, reducing future tax exposure, and strengthening long-term wealth preservation for future generations.
CASE STUDY

$2.4M IRA Retiree
$675,000+ in Potential Taxes and
Medicare Surcharges Saved

A retiree with more than $2.4 million in IRA balances was unaware that future Required Minimum Distributions (RMDs) could significantly increase taxable income and trigger higher Medicare premiums over time.
Through the Kandus Methodâ„¢, we implemented a coordinated planning strategy designed to eliminate Medicare Surcharges, provide more cash in retirement, and create greater control over future taxable income.

The Result:
A projected reduction in taxes of $675,000+ while eliminating Medicare surcharges and improving long-term control over retirement income planning.

Why RMDs Can Significantly
Increase Taxes in Retirement
For households with $2M+ in retirement accounts, Required Minimum Distributions often create avoidable tax exposure.
RMDs can trigger a chain reaction—increasing taxable income, accelerating taxes on Social Security, and raising Medicare premiums.
Without coordinated planning, this can quietly reduce long-term wealth and flexibility.
The difference is not just performance—it’s control.

See how much RMD taxes may be costing you → (954) 234-1302
What to Expect During Your Private Consultation
A structured, high-touch process designed for qualified households.

Your first step is a brief, confidential call with a member of our team to understand your current structure and determine whether our process is an appropriate fit.

During This Initial Conversation
  • Understand your current financial position and long-term objectives
  • Evaluate whether your situation is suitable for our planning approach
  • Answer your initial questions about The Kandus Methodâ„¢
This is A Focused, Qualification-First Approach
This is not a full strategy session.
If there is a strong fit, you will be invited to a more in-depth consultation where your retirement structure is analyzed in detail and a tailored strategy is explored.
Because our process is highly customized and resource-intensive, we work exclusively with individuals and families who meet the $2M+ threshold.
The Outcome
  • Reduce unnecessary tax exposure
  • Improve control over how and when income is taken
  • Build a more efficient and coordinated retirement strategy

Request Your Private Consultation
For qualified households with $2M+ in tax-deferred retirement accounts
A brief qualification call to determine if our process is the right fit.

Meet the Team Behind The Kandus Methodâ„¢
Experienced retirement professionals focused on reducing RMD impact, improving tax efficiency, and helping preserve long-term wealth for $2M+ households.
Our approach combines advanced planning expertise with a highly personalized client experience.
Andrej Kandus
Principal Partner

Andrej Kandus is widely regarded as a leading authority in advanced retirement restructuring and tax-efficient wealth strategies.
With decades of experience, he has worked with affluent families, business owners, and retirees to address complex challenges related to Required Minimum Distributions (RMDs), taxation, and long-term wealth preservation.
His work is frequently sought by attorneys, CPAs, and tax mitigation firms when more sophisticated planning is required.
As the creator of The Kandus Method™, Andrej focuses on helping clients restructure how retirement income is generated—improving control, reducing tax exposure, and preserving more wealth over time.
Susan Colwell
Principal Partner

Susan Colwell works closely with clients to bring clarity and structure to complex retirement decisions.
She specializes in helping individuals with significant retirement assets understand how RMDs, taxes, and Medicare costs may impact long-term outcomes.
Known for her thoughtful and relationship-driven approach, Susan helps translate advanced strategies into clear, actionable steps—ensuring each client feels confident in how their plan supports their goals.
Ana Carroll
Director, Client Relations

Ana Carroll leads the client experience at Kandus Sinclair, ensuring each interaction is seamless, responsive, and highly personalized.
She works closely with clients throughout the planning process, helping coordinate communication and maintain clarity at every stage.
Her attention to detail and commitment to service help create a structured, high-touch experience from the initial conversation through implementation.

Many clients are referred to Kandus Sinclair by attorneys, CPAs, and tax professionals seeking more advanced planning solutions.
Contact Kandus Sinclair
Private retirement planning for qualified households with $2M+ in tax-deferred retirement accounts.
Kandus Sinclair
One Sansome Street
Suite 1400
San Francisco, CA 94104
Specialty
Tax-Efficient Retirement Planning
Ready to explore whether our process is right for you?
Kandus Sinclair is an independent organization specializing in retirement income, wealth preservation, and legacy planning strategies.
Andrej Kandus holds the Certified Tax Coach designation. Kandus Sinclair does not provide tax, legal, or investment advisory services. Individuals should consult their qualified tax advisor, attorney, or financial advisor regarding their specific circumstances.
Any discussion of Required Minimum Distributions (RMDs), tax efficiency, Roth conversions, retirement income, or legacy strategies is for informational and educational purposes only. Results vary based on personal circumstances, tax status, product suitability, and applicable law.
Strategies discussed may involve fees, charges, expenses, surrender periods, underwriting, and approval requirements. Guarantees, where applicable, are backed solely by the financial strength and claims-paying ability of the issuing company. Compensation may be paid by product providers.
No strategy can guarantee tax elimination or specific financial outcomes.