Bayntree Wealth Advisors

Bayntree Wealth Advisors Bayntree creates tailored retirement planning and investment strategies so you can retire confidently and live life on your terms.

At Bayntree Wealth Advisors, we believe financial planning should feel personal, not complicated. We’re here to help you turn your goals into a clear, confident plan for the future. Our team takes the time to truly understand what matters most to you, then builds a strategy designed to support your life, your family, and your retirement for years to come. From thoughtful investment management to reliable income planning, everything we do is rooted in helping you feel secure and in control. We work with individuals, families, and business owners to simplify the complex and create a path forward you can trust. Because at the end of the day, it’s not just about your finances, it’s about helping you live the life you’ve worked hard for.

09/24/2026

This is something a lot of people in their 40s and 50s feel but rarely say out loud.

You can't fully fund your parents' care, fully support your kids, and fully fund your own retirement all at once. Something always gives. And for a lot of people, it tends to be their own future that gets quietly pushed aside. Because it's the only one of the three that doesn't have a face attached to it.

🧮 Want a clear picture of where your retirement stands? Free 1-minute Retirement Readiness Assessment, linked in the comments.

🎥 Watch the full video here: https://www.facebook.com/share/v/1Eg1vq7Guk/



Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

09/24/2026

If you're in your 40s or 50s and you feel behind on retirement, we want you to hear something.

It may not be because you planned badly.

More than half of Americans in their 40s have a parent 65 or older while also raising or financially supporting a child. That's the sandwich generation. And the thing that quietly gets squeezed isn't the parent's care or the kid's support. It's your own future. Because it's the only one of the three that doesn't have a face attached to it.

In this video, Andrew walks through what that actually costs, why "I'll catch up later" gets more expensive the longer it's pushed, and the better question to ask if you're in the middle of this right now.

🧮 Want a clear picture of where your retirement stands? Free 1-minute Retirement Readiness Assessment, linked in the comments.

🎥 Watch the full video here: https://a.bwa.one/FB-Sandwich-Gen-Assessment

Bayntree Wealth Advisors | Scottsdale, AZ



Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

Happy First Day of Fall! 🍂Cozy mugs, crisp air, and a fresh season ahead. However you're celebrating, we hope it's a war...
09/22/2026

Happy First Day of Fall! 🍂

Cozy mugs, crisp air, and a fresh season ahead. However you're celebrating, we hope it's a warm one.

From our team to yours, welcome to fall. 🍁

09/21/2026

The IRS uses a hidden formula called provisional income, and it can dramatically impact how your Social Security is taxed.

🧮 Want a clear picture of where your retirement stands? Free 1-minute Retirement Readiness Assessment, linked in the comments.

🎥 Watch the full video here: https://www.facebook.com/share/v/18YQVoqQWp/



Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

09/19/2026

Most retirees don’t realize this…
Your withdrawals in retirement can actually cause MORE of your Social Security to be taxed.

It’s called the Social Security Tax Torpedo.
And it can quietly push your effective tax rate higher than expected—without you realizing it.

This is why retirement income planning isn’t just about how much you withdraw…
It’s about where it comes from and how it’s taxed together.

🧮 Want a clear picture of where your retirement stands? Free 1-minute Retirement Readiness Assessment, linked in the comments.

🎥 Watch the full video here: https://www.facebook.com/share/v/18bjMFNBkw/



Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

09/19/2026

Before you make any decisions about an inherited Traditional IRA, this question is worth answering first.

Had your parent already started taking required withdrawals from that account before they passed?

If they hadn't, you may have more flexibility than you think over when you take withdrawals during the 10-year window. If they had already started taking withdrawals, there may be a minimum amount you're required to take each year depending on your situation.

The answer to that one question can shape your entire approach to this account. And it's something worth understanding early rather than discovering later when your options may be more limited.

Every situation is different, of course. But it's a good place to start.

🧮 Want a clear picture of where your retirement stands? Free 1-minute Retirement Readiness Assessment, linked in the comments.

🎥 Watch the full video here: https://www.facebook.com/share/v/1BqAvJnLER/

Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

09/17/2026

This is something a lot of people don't think about when they first inherit a Traditional IRA.

The natural instinct is to divide the balance by 10 and take steady withdrawals every year. It feels like the responsible approach. But here's what's worth knowing first.

Withdrawals from an inherited Traditional IRA are generally treated as ordinary income in the year they're taken. And when those withdrawals land on top of a salary that's already there, they don't get their own separate tax treatment. They add to existing income, which can sometimes push things further than people expected.

This isn't meant to alarm you. It's just something worth understanding before you decide on a withdrawal approach. Every situation is different, and there may be more flexibility available than you realize.

🧮 Want a clear picture of where your retirement stands? Free 1-minute Retirement Readiness Assessment, linked in the comments.

🎥 Watch the full video here: https://www.facebook.com/share/v/1BqAvJnLER/

Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

09/17/2026

If you recently inherited a Traditional IRA from a parent while you're still working full time, this one is for you.

Most people in this situation don't realize that withdrawals from an inherited Traditional IRA are treated as ordinary income in the year they're taken. And when those withdrawals land on top of a salary that's already in a higher range, it can sometimes push income further than expected.

The good news is that depending on your specific situation, the 10-year rule may give you more flexibility than you think when it comes to timing those withdrawals.

Every situation is different and individual circumstances vary. But it's worth understanding your options before making any moves.

🧮 Want a clear picture of where your retirement stands? Free 1-minute Retirement Readiness Assessment, linked in the comments.

🎥 Watch the full video here: https://www.facebook.com/share/v/1BqAvJnLER/

Curious how an inherited IRA fits into your tax and retirement picture? Take our free Retirement Readiness Assessment below. It takes less than a minute. Link in comments.

Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

09/16/2026

If you inherited a Traditional IRA from a parent and you're still working full-time, there's a mistake that happens more than most people realize.

Most people default to the simplest math: divide the balance by 10 and take even withdrawals every year. That sounds responsible. But every dollar from an inherited Traditional IRA is taxed as ordinary income. And it doesn't get its own tax bracket. It stacks right on top of your salary.

If you're earning six figures, those withdrawals could push you into a bracket you've never been in before.

The surprising part is that the 10-year rule actually gives you room to avoid this, if you plan it right. The key is timing withdrawals to your income, not the calendar.

In this video, Andrew walks through the two scenarios that determine how much flexibility you have and exactly how to use them.

If you've inherited a Traditional IRA and you're still working, this is worth watching before you take your first distribution.

🧮 Want a clear picture of where your retirement stands? Free 1-minute Retirement Readiness Assessment, linked in the comments.



Bayntree Wealth Advisors | Scottsdale, AZ

Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

09/14/2026

This is one of those things that doesn't get talked about enough.

When one spouse retires before the other, your income picture changes. And depending on your situation, that shift might open up some planning possibilities worth exploring with your financial and tax advisors.

That window between when the first spouse retires and when both of you start Social Security or required distributions can sometimes be a meaningful one from a planning standpoint.

Every situation is different, of course. But it's one of those things worth asking about sooner rather than later.

Have you thought about the tax side of one spouse retiring before the other? We'd love to hear your thoughts in the comments.

🧮 Want a clear picture of where your retirement stands? Free 1-minute Retirement Readiness Assessment, linked in the comments.

🎥 Watch the full video here: https://www.facebook.com/share/v/1BfuxWuF8f/



Investment advice is offered through Bayntree Wealth Advisors, LLC, an SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Bayntree does not provide, and no statement contained herein shall constitute, tax or legal advice. You should consult a tax or legal professional on any such matters. Opinions expressed herein are solely those of Bayntree Wealth Advisors. All content is for informational purposes only and is not intended to provide the basis for any financial decisions.

Address

7001 N. Scottsdale Road #2055
Scottsdale, AZ
85253

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Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 3pm

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