6 Financial Moves That Will Make or Break Your Retirement

If you’re in your mid-50s, this is your decade to get retirement right. The next 10 years are the most important years of your financial life, and the decisions you make now will determine whether you retire with confidence or struggle to make ends meet.

In this video, Andrew Rafal, founder of Bayntree Wealth Advisors, breaks down six retirement strategies for people age 55 and older to help you maximize savings, reduce taxes, and prepare for a confident retirement.

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What you’ll learn:
✅ Maximize Catch-Up Contributions (401k & IRA) – 2025 contribution limits, super catch-up rules for ages 60–63, and how to boost savings while lowering your taxable income.
✅ Run a Retirement Income Projection – How to calculate your future income, identify shortfalls, and use realistic growth assumptions.
✅ Decide on Debt: Ditch It or Keep It? – Smart strategies for handling mortgages and high-interest debt before retirement.
✅ Map Out Healthcare Costs Before 65 – Bridging the gap before Medicare with COBRA, ACA coverage, or part-time work with benefits.
✅ Supercharge Your HSA – 2025 contribution limits and how to use your HSA as a “tax-free retirement account” for healthcare expenses.
✅ Stress-Test Your Plan – How to prepare your portfolio for market drops, inflation, and longevity risk.

Whether you’re planning to retire early or work into your 60s, these specific, actionable steps will help you stress-test your plan and make smarter financial moves before it’s too late.

0:00 — Why 55 Is Critical
0:37 — 1) Maximize Catch-Up Contributions
1:33 — 2) Run a Retirement Income Projection
2:23 — 3) Debt Decisions: Ditch It or Keep It
2:48 — 4) Bridge Health Care Before 65
3:25 — 5) Supercharge Your HSA
4:13 — 6) Stress-Test Your Plan
4:46 — Like, Subscribe, and Next Steps

🔍 Related topics:
✅ Retirement planning at age 55
✅ How much should I have saved for retirement by 55?
✅ 401(k) catch-up contribution limits 2025
✅ Early retirement healthcare options before Medicare
✅ HSA retirement strategies
✅ Tax-efficient retirement income planning

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.