Tax Traps at Age 62 That Could Cost You Thousands

Turning 62 brings new retirement decisions and hidden tax traps that can quietly cost you thousands if you’re not careful. In this video, Andrew Rafal, founder of Bayntree Wealth Advisors, shares the five biggest tax pitfalls people face at 62 and the strategies to avoid them.

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In this video, you'll learn:

✅ How the Social Security earnings test can shrink benefits if you work at 62

✅ Why IRA/401(k) withdrawals for pre‑65 healthcare can trigger future Medicare IRMAA

✅ The 62–70 Roth conversion “sweet spot” (and when conversions backfire)

✅ How stacking income sources can increase capital gains rates and Social Security taxation

✅ Why planning for inflation, RMDs, and future tax changes matters now

📞 Ready to protect your retirement income from sneaky tax traps? Schedule a Call with a Bayntree Financial Advisor today.