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.
WHAT MAKES BEYOND BALANCED DIFFERENT?
FEE-ONLY FIDUCIARY
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.
MODERN TECHNOLOGY
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.
CONVENIENCE
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.
AFFORDABILITY
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
OUR SERVICES
FINANCIAL PLANNING
INVESTMENT MANAGEMENT
SMALL BUSINESS OWNERS
Are We A Good Fit for You?
OUR IDEAL CLIENT
You’re a young family who wants to balance enjoying life today while simultaneously paying off debt and saving smartly for the future. 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.
TYPICAL SITUATION
You have >$175,000 of household income and you meet at least one of these criteria:
» You have equity compensation (RSUs, ISOs, or NSOs)
» You are a current/aspiring business owner
» You have children in your household
» You have >$100,000 in student loans
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.
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.
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.
OUR LATEST BLOG
Retiring in Uncertain Times – The Do’s and Don’ts
The coronavirus, bear market, and recession struck the retirement dreams of millions of Americans like uncharted rocks in a turbulent sea. With no warning, strategies built on a decade of growth became outdated, leaving many current and future retirees wondering, "Am...
Is a Roth Conversion Right for Me? And When You Should Consider
A Roth conversion is a strategy that we implement with our clients when the markets are down, or when we project future tax savings on a conversion. Today's blog post will help you learn what a Roth conversion is and whether it's appropriate for your situation. What...
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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