Bayntree Wealth Advisors

Andrew Rafal
President & Founder
Andrew Rafal has dedicated his professional career to helping families and business owners achieve their retirement dreams through proper financial planning. As a thought leader in the financial services industry, he has been featured in The Wall Street Journal, Forbes, CNBC, The Washington Post, Yahoo, and more.

The firm he founded, Bayntree Wealth Advisors, was built on the belief that everyone deserves a plan to get them to and through retirement. He also is the host of the Your Wealth and Beyond podcast, a show that strives to simplify the financial world and inspires listeners to find purpose in what matters most.

Additionally, he is the author of two books, Climbing the Retirement Mountain and The Heartful Retirement: Your Journey to What Matters Most.

Andrew holds a business degree from the Richard T. Farmer School of Business at Miami University in Oxford, Ohio, and is a member of Ed Slott's Master Elite IRA Advisor Group^℠, an organization of financial professionals dedicated to being leaders in the IRA industry.

Beyond the office, Andrew is actively involved in various local Phoenix charities and most mornings can be found riding his road bike through the beautiful Arizona landscape.

Jonathan Gengle

As an advisor, Jon assists clients with risk management, income generation and asset growth. He leads clients toward their retirement goals with reliability and integrity. His experience in the areas of investment management, insurance and employee benefit plans, combined with creative problem-solving, enables the development of personalized, effective solutions for his clients.

Prior to his current advisory role, Jonathan managed his own wealth management firm which merged with Bayntree Wealth Advisors. He leverages partnerships with experts in the areas of taxes, estate planning, and more. He believes a significant factor in providing guidance to clients is the ability to learn what motivates clients to achieve a specific financial goal. The combination of his industry experience and genuine dedication to clients and the community has allowed him to positively influence clients and create lasting financial fulfillment.

Jonathan attended the University of San Diego and Arizona State University and earned his bachelor's degree in design and German language. He is a lifelong resident of Phoenix, Arizona and enjoys spending time with his wife, Elizabeth, and their son, Wyatt, and daughter, Willow, as well as with friends and family. Jonathan hosts regular workshops for young workers through the UA Local 469 apprenticeship program and is a board member of the Phoenix Conservatory of Music, a non-profit music education provider. He also is the resident musician at the Bayntree home office and enjoys performing and composing music with his local band

Cristina Perez
CFP^®
Cristina Perez serves as a Financial Advisor for Bayntree Wealth Advisors. Cristina decided to pursue a career in financial planning because of her passion to help others achieve their life goals and feel financially secure. In addition, she is a Certified Financial Planner (CFP®), the standard of excellence in financial planning. Cristina is committed to providing clients with in-depth education, comprehensive planning, and ongoing support as their life goals and circumstances evolve.

Prior to Bayntree, Cristina worked at both Fidelity and Vanguard providing a world-class experience for high-net-worth individuals. Her desire to work in a more personal client environment is what brought her to Bayntree.

Cristina is a first-generation Mexican American and is passionate about giving back to the community through charity work and helping underrepresented minorities. Additionally, she was the Vice President of Professional Development for the Latino Business Association at Cal State Northridge, her alma mater, where she has since been a guest speaker and mentor for students who are looking to get into the finance industry.

Cristina was born and raised in Southern California in the greater LA area and moved to Scottsdale in 2018. She earned her bachelor's degree in Business Management from California State University, Northridge. In her free time, Cristina enjoys spending time skiing, scuba diving, working out, and going to concerts.

Brian Hartstein
MSFS, CLU^®, ChFC^®, CPFA
Brian Hartstein serves as Director of Corporate Development for Bayntree Wealth Advisors. Through educating clients and partnering with accountants and legal advisors, he creates efficiency in planning. His areas of focus include tax, business and retirement planning, as well as specialized and general insurance planning. Over two decades of diverse experience has allowed Brian to provide guidance to thousands of individuals and families.

Publications where Brian has been published or recognized include Accounting Today, Journal of Financial Planning, Journal of Financial Service Professionals, Arizona Republic, 401K Specialist Magazine and more. In the past, he served as president of the Financial Planning Association of Greater Phoenix and held a Board of Director position for over a decade with the organization. Additionally, Brian serves on the Board of Directors of the Phoenix Tax Workshop, First Financial Resources and is a member of the Society of Financial Service Professionals. Brian is also a national speaker and educator, especially in the accounting industry, and actively works with various charities.

Brian's financial experience began with a job at his family's pension firm in his early teens. As a third-generation financial professional, he learned early on the importance of communication in creating successful long-term client relationships. Originally from Edison, New Jersey, Brian's family relocated to Scottsdale, Arizona when he was in middle school. Brian earned his bachelor's degree from Lafayette College and his master's degree in financial services from The American College of Financial Services.

Andy Jorgensen

Andy Jorgensen serves as a Financial Advisor for Bayntree Wealth Advisors. He pursued a degree in Economics from Arizona State University, intending to get into the financial services industry, and has now been in the industry for three years and joins Bayntree, planning to develop his skills further and serve the firm's great clients.

Before working at Bayntree, Andy started his career at Renaissance Financial, where he worked with a wide range of clients, but was led to Bayntree with the opportunity to do in-depth and creative planning.

Andy enjoys Volunteering and is currently serving as the Sponsorship and Marketing Chair for the Arizona Region of the Porsche Club of America. In his spare time, Andy & Emily enjoy multiple hobbies together, including Scuba Diving, Snowboarding, Camping, and Hiking.

Andy is originally from Southeast Idaho, born and raised in a small town where he grew up working with local farmers and his family's construction businesses. Since then, he met his wife Emily while doing volunteer work in Washington DC; they then moved to Emily's hometown of Phoenix and have lived together in Phoenix for the past six years.