55? These 6 Financial Moves Will Make or Break Your Retirement

If you’re 55, 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.