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 r

eliable 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.

06/10/2026

If you're divorced and your ex-spouse has passed away, there's a Social Security benefit you may be entitled to that most people never claim.

Not because they don't qualify. Because no one told them it existed.

If you were married for 10 years or more, you're currently unmarried (or remarried after 60), you may be eligible for up to 100% of what your ex-spouse was receiving in Social Security benefits. And here's what surprises most people: your ex's remarriage doesn't affect your eligibility at all. Social Security doesn't split the benefit. Multiple people can claim from the same record.

The bigger problem? Social Security isn't going to contact you. There's no letter, no alert, no reminder. If you don't go looking for it, you won't find it.

In this video, Andrew walks through exactly who qualifies, what you need to apply, and a strategy that lets you claim the survivor benefit first while your own benefit keeps growing.

If this sounds like your situation, or someone you know, share this before another year goes by unclaimed. 👇

Want a clear picture of where your retirement stands? Take our free Retirement Readiness Assessment
👉 https://a.bwa.one/Divorced-SS-Assessment

Ready to talk through your Social Security options with our team? Schedule a complimentary call
👉 https://a.bwa.one/Divorced-SS-Schedule

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 Wealth Advisors. 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.

Bayntree Wealth Advisors is not affiliated with the U.S. government or any governmental agency, including the Social Security Administration.

06/08/2026

Roth or traditional? That one detail determines the entire tax outcome of your inheritance.

Inherited Roth IRAs generally don't require annual distributions inside the 10-year window. You can let that money grow tax-free. Inherited traditional IRAs are different. You may be required to take money out each year, and every dollar is taxed as ordinary income. Same inheritance, completely different outcome.

Watch the full video for the complete breakdown.
👇 Full breakdown in the video > https://www.facebook.com/share/v/1DbxpQhk2a/

06/06/2026

Who is actually listed as the beneficiary on that IRA? It's a question most people never think to ask until it's too late.

If you're a named individual, you're likely under the 10-year rule. But if no beneficiary was named and the account defaults to the estate, you fall into a much less favorable set of rules. In some cases the account may have to be distributed much faster.

Spouses also have options no one else does, including the ability to treat the IRA as their own. Watch the full video to understand which rules apply to you.

👇 Full breakdown in the video > https://www.facebook.com/share/v/1DbxpQhk2a/

06/05/2026

Here's what most people don't realize: there is no single rule for inherited IRAs. There is a decision tree.

Each branch leads to a different deadline, a different withdrawal schedule, and a very different tax outcome. The SECURE Act changed everything, and the IRS has continued to add complexity on top of it. The right answer for someone else could be completely wrong for you.

Watch the full video to find out which path applies to your situation.
👇 Full breakdown in the video > https://www.facebook.com/share/v/1DbxpQhk2a/

06/03/2026

If you just inherited an IRA from a parent, before you move a dollar, there are 6 questions you need to answer.

Get even one wrong and you could trigger unnecessary taxes, miss key deadlines, or make a mistake that's hard to undo. Most beneficiaries don't even know these questions exist.

Watch the full video to walk through all six and find your exact path.
👇 Full breakdown in the video > https://www.facebook.com/share/v/1DbxpQhk2a/

06/03/2026

If you just inherited an IRA, don’t move a dollar until you can answer these six questions.

Most people assume the rules are straightforward. They aren’t. The SECURE Act created a decision tree, not a single answer. And each branch leads to a different deadline, a different withdrawal schedule, and a very different tax bill.

The year your parent passed. Their age when they died. Who is actually named on the beneficiary form. Whether you’re a spouse or not. How old you are. And whether the account is a Roth or a traditional IRA.

Every one of those variables changes your path. Get one wrong and you could trigger taxes that were completely avoidable or miss a deadline that is hard to fix after the fact.

In this video, Andrew walks through all six questions and what each one means for your specific situation.

If you or someone you know has recently inherited an IRA, share this before anyone makes a move.

Want a clearer picture of where your retirement stands? Take our free Retirement Readiness Assessment 👉 https://a.bwa.one/Inherited-IRA-6-Assessment

Ready to talk through your inherited IRA with our team? Schedule a complimentary call 👉 https://a.bwa.one/Inheritred-IRA-6-Schedule

Bayntree Wealth Advisors | Scottsdale, AZ

We have a new face on the Bayntree team, and we couldn't be more excited to introduce her!Meet Taylor, our new Marketing...
06/01/2026

We have a new face on the Bayntree team, and we couldn't be more excited to introduce her!

Meet Taylor, our new Marketing Intern! Taylor is an Entrepreneurship student at Arizona State University (Go Sun Devils!) with a creative eye, an entrepreneurial spirit, and the kind of positive energy that makes everyone around her better.

When she's not working on big ideas, you'll find her on the golf course, out on the paddleboard, or behind a camera chasing the perfect outdoor shot. We love that she found her way from Chicago to Las Vegas to Tempe, and now to Bayntree.

Welcome to the team, Taylor. We're so glad you're here!

06/01/2026

Naming a trust as your IRA beneficiary sounds like smart planning. But if it's not structured correctly, it can accelerate the tax hit and expose your heirs to trust tax brackets that hit the top rate at just over $15,000 of income.

Your attorney and your financial advisor need to review this together. Not separately. Watch the full video before anything is finalized.

👇 Full breakdown in the video > https://www.facebook.com/share/v/18WBw8Pw5j/

06/01/2026

Every dollar your kids pull from an inherited traditional IRA gets taxed as ordinary income on top of their own earnings.

A Roth IRA changes that. Same 10-year rule, but every withdrawal is completely tax-free. Doing Roth conversions now means you absorb the tax at your rate so they don't absorb it at theirs.

👇 Full breakdown in the video > https://www.facebook.com/share/v/18WBw8Pw5j/

05/30/2026

This is the mistake we see constantly.

Someone passes away. The family settles the estate. And the retirement accounts go to the wrong person because a beneficiary form was never updated after a divorce, a new child, or a death in the family.

Your will cannot fix this. Your estate plan cannot fix this. The beneficiary form overrides everything. Watch the full video.

👇 Full breakdown in the video > https://www.facebook.com/share/v/18WBw8Pw5j/

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7001 N. Scottsdale Road #2055
Scottsdale, AZ
85253

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