Grow Wealth ⋅ Invest Smarter ⋅ Reduce Taxes

At Beyond Balanced Financial, we recognize that reducing financial stress is key to a happy and balanced life.

We provide financial guidance in a format that is easy-to-understand and holistic so you can focus on what matters most. We believe that money is a tool that allows you to live your best life. After all, life is an adventure that you should be enjoying today. Our advisors are CERTIFIED FINANCIAL PLANNER™ professionals and create plans that are tailored to your unique situation.



Dedicated CERTIFIED FINANCIAL PLANNER™ that focuses on you and your most important priorities. We don’t sell insurance, annuities or give hot stock tips. Fee-only means there are no commissions and no hidden fees.


We utilize the latest technology to enhance our online services. We offer paperless account opening, secure document storage, and the ability to view your accounts anytime, anywhere in your own client dashboard.


You’re pressed for time and a financial plan shouldn’t be a burden to your time. We offer meetings that fit your busy schedule. We can meet in person or via video conferencing. Occasional weekend and evening hours available.


Like a gym membership or a mortgage payment, we believe an investment in your financial plan should be no different. Our ongoing planning services have a monthly subscription fee to be easier on your budget. 

Hi, I’m Crystal!

I’m the founder of Beyond Balanced Financial Planning, an independent fee-only practice dedicated to helping my clients gain clarity and achieve their financial goals. When I started this practice, my goal was to provide valuable advice in a holistic manner. I believe that we all have to start somewhere and overall financial wellness is what really matters.

Beyond Balanced simply means going beyond the balance sheet to live your life on your terms. We take the time to understand you, your situation, preferences, goals, and your personal money beliefs. There is no one-size-fits-all approach and we work together to design a plan tailored to your unique situation.

Tell me, what is it that you plan to do with your one wild and precious life?”  – Mary Oliver



A financial plan is unique to you, it is dynamic and always changing. We get a plan in place and help you implement recommended tasks, stay on course and serve as a sounding board for when those inevitable changes happen.


You are busy enough without having to worry about managing your investments. We invest using strategies that are rooted in academic evidence, not speculation. Portfolios are tailored to your goals and tolerance for risk.


If you're a business owner, we can help you start a new retirement plan or refresh an old plan you have in place. Additionally, we offer educational seminars for employees so they can maximize their available benefits.

Are We A Good Fit for You?


We typically work with H.E.N.R.Y.s (High-Earner Not Rich Yet). This typically translates families in their 30s to early 50s with blossoming careers who want to balance enjoying life today while simultaneously saving smartly for the future while enjoying today. Your goal is to pursue work that you love while having the flexibility to spend time with your loved ones and perhaps make work optional before age 65. You’re looking to outsource your financial management and concerns to a professional who will always act in your best interest.

Midland TX Financial Advisor

Money ≠ Happiness

We believe how you spend your time is more important than how you spend your money.

True wealth comes from spending your time in a way that is aligned with what is most important to you. No amount of money will replace the moments you miss with your kids or loved ones.

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Experiences > Stuff

You will talk about your unique adventures for years to come because of the joy they brought. The other “stuff” is just forgotten about.

We believe experiences outweigh the (mostly) unnecessary things you buy. Don’t let mindless spending slow you down.

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Giving to Others

Giving can take many forms: your time, your resources, your support, etc.

We believe giving not only feels good but many of us are driven to give for reasons beyond our own financial benefit. We’ll help you set up a strategy so you can give to the organizations that are most important to you.


How Do I Choose a Financial Advisor?

How Do I Choose a Financial Advisor?

You started on this journey of looking for a financial advisor - you know, to help make sure you're on track, get your finances in order, and help you choose the right investments in your 401(k). Only to find out some advisors require to have at least half a million...

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