Andrew Rafal



Andrew Rafal is a financial advisor who has dedicated more than a decade to helping clients achieve their financial, retirement and estate planning objectives. He is President and Founder of Bayntree Wealth Advisors headquartered in Scottsdale, Arizona, and assists clients throughout Arizona and the U.S.

Andrew prides himself in acting as a personal CFO for his clients. He creates customized financial plans and investment strategies to help clients realize their retirement goals. Andrew is known among his clients and colleagues for upholding a “gain and retain” investment philosophy and for his unparalleled dedication to client service.

Co-author of the upcoming book, Climbing the Retirement Mountain, Andrew is a nationally recognized retirement planning expert who has been featured in the Wall Street Journal, Forbes, USA Today, US News and World Report and Good Morning Arizona. Additionally, Andrew has a passion for teaching retirement planning courses at ASU West and Scottsdale Community College that help individuals make sound financial decisions.

Mr. Rafal is a member of National Association of Insurance and Financial Advisors (NAIFA) as well as Ed Slott’s Master Elite IRA Advisor Group™ an organization of financial professionals dedicated to being leaders in the IRA industry. He holds a degree in Business from the Richard T. Farmer School of Business at Miami University.

Beyond the office, Andrew is a committed member of the community and is actively involved with EC70, a group dedicated to helping youth in Arizona overcome adversity. He enjoys traveling with his wife Jules and daughter Winter, as well as hiking and biking in the beautiful mountains of Arizona. An avid fan of the arts and theater, he and Winter have a standing date at the Nutcracker each December.

Andrew Rafal still roots for his hometown Cleveland teams and believes in his heart that one day he will see a championship brought to the shores of Lake Erie. Until then he will simply be just “waiting for next year.”

“Financial independence in retirement begins with a dream and ends with a plan”- Andrew Rafal

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