Crystal Rau, CFP® Profile Photo

Crystal Rau, CFP®

Crystal Rau, CFP®, CRPC®, AAMS®, is a certified financial planner based out of Midland, Texas. She is the founder of Beyond Balanced Financial Planning, a fee-only registered investment advisor that helps young professionals and families balance living their ideal lives and being good stewards of their finances.

About Crystal Rau, CFP®

Current Role

Founder, Beyond Balanced Financial Planning

Expertise

  • Equity Compensation
  • Oil & Gas Investments
  • Education Planning
  • Investment Planning
  • Student Loan Planning
  • Retirement

Achievements

  • Best Financial Planner For Midland’s Readers’ Choice Awards 2022

Certifications & Degrees

  • Certified Financial Planner™
  • MBA from University of Texas El Paso, Bachelor of Business Administration in finance from Texas A&M University (Corpus Christi)

Personal Finance Experience

Crystal started her career in personal finance working at a large investment management company where she provided advice to young and old investors just trying to do better for themselves. It motivated her to learn more and be better for her clients. She continued her education and training, earning the certified financial planner (CFP®) designation, as well as her chartered retirement planning counselor (CRPC®) designation and accredited asset management specialist (AAMS®) designations.

As her knowledge and expertise grew, it inspired her to start Beyond Balanced Financial Planning, a fee-only registered investment advisory firm that focuses on young professionals and families who strive to be good stewards of the wealth, and to be better and do better for their families and their community.

Latest from Crystal Rau, CFP®

How to Safely Store Gold, Silver, Platinum, and Palladium at Home

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What Is Debt Relief, and How Does It Work?

Debt relief is a broad term that describes programs or services designed to help people manage, reduce, or eliminate debt. Different types of...

Should You Sell Your House to Pay Off Debt? How It Works and When It Makes Sense

Becoming a homeowner is usually a happy experience, but it can become bittersweet if you...

How to Complete Student Loan Recertification and Why It’s Important

Recertifying your student loans keeps your payments affordable under an income-driven repayment (IDR) plan. By...

How to Get Out of Student Loan Debt ASAP

Paying off student loans doesn’t need to take decades. You can accelerate repayment and regain financial freedom with focused strategies and a solid...

Zero-Interest Home Improvement Loans: How to Get One and Alternatives to Consider

Many low- and moderate-income, senior, veteran, or rural residential homeowners with equity who need essential...

Why Do People Buy Gold? 10 Solid Reasons to Invest

Gold has long been viewed as a stable investment. Many people invest in gold to...

Earned Wage Access: What It Is and How It Benefits Both Employers and Employees

Earned wage access (EWA) allows employees to access a portion of their wages before payday,...

10 Cash Advance Scams and How to Avoid Them

If you’re searching for a quick cash advance, you’ve probably wondered whether the app or lender you’re using is legit. With scams becoming...

Gold IRAs With Sign-Up Bonuses

A gold individual retirement account (IRA) can allow for portfolio diversification and help you protect your wealth. To add to the benefits, companies...