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


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


  • 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®

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Does Refinancing Affect Student Loan Forgiveness?

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How Your Debt-to-Income Ratio Affects Student Loan Refinancing

The debt-to-income ratio (DTI) is an important indicator of your ability to pay your financial...

New York HELOC Rates and Lenders

Home equity lines of credit (HELOCs) allow homeowners to turn the equity in their home into cash. As secured loans, HELOCs typically offer...

What to Do If You’re Denied a Student Loan With a Cosigner

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