The Retirement Rule of $1 More That Can Cost You Thousands

Most retirees don’t realize that earning just one dollar more in retirement income can trigger massive financial consequences, including higher Medicare premiums, increased Social Security taxes, and losing out on the 0 percent capital gains bracket.

In this video, Andrew Rafal, founder of Bayntree Wealth Advisors, breaks down the “Retirement Rule of $1 More” and explains how small decisions can lead to big, unexpected costs.

✅ Get Your Free Retirement Readiness Checklist

📞 Schedule a Complimentary Call to talk through your retirement options with our team

What you’ll learn in this video:

✅ What is the Retirement Rule of $1 More, and why does it matter?

✅ How do IRMAA Medicare surcharges work, and when do they apply?

✅ Why can Social Security taxes suddenly increase for retirees?

✅ How can capital gains jump from 0 percent to 15 or 20 percent?

✅ Why are these income thresholds considered retirement “tax cliffs”?

✅ What strategies help retirees avoid overpaying taxes and penalties?

Whether you’re doing Roth conversions, withdrawing from IRAs, selling appreciated stock, or taking part-time income in retirement, this video explains how to keep one small move from causing a big financial surprise.