223 W Wall St #215 Midland, TX 79701 – (Get Directions?)

Your Family Is One Of A Kind - Your Plan Should Be Too

How We Help

Your Family Is One Of A Kind - Your Plan Should Be Too

How We Help
Crystal Rau MBA CFP

Beyond Balanced Financial Planning was founded to deliver real financial planning to regular people through a service model that actually makes sense. We serve families that seek to build healthier, more fulfilled lives by taking a values-based approach to building wealth. Financial independence is the goal so our clients can live life on their terms.

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.

About Crystal Rau

Crystal Rau, MBA

Certified Financial Planner™

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

Learn More About CrystalWatch Crystal's Story

Discover Our Services

Financial Planning

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.

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Investment Management

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.

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Small Business Owners

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.

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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.

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Get a Live Glimpse into Our World

  • "But you have to do what you dream of doing even while you’re afraid." – Arianna Huffington ㅤ 💭 Maybe it’s leaving a job that’s no longer aligned. Maybe it’s starting that side business you’ve been dreaming about. Maybe it’s finally getting serious about your finances so you can retire early and live with more freedom. ㅤ Whatever your dream looks like—fear will probably be part of the process. But so will growth. ㅤ At Beyond Balanced, we don’t just run numbers. We help you create a plan that gives you the clarity and confidence to take action—even when it feels scary. ㅤ 📈 Whether you're planning for a big transition or simply want to get your financial house in order, we’re here to walk with you. ㅤ ✨ Because dreams backed by a plan? That’s powerful. ㅤ #BeyondBalanced #PursueYourDreams #AriannaHuffingtonQuote #FaithAndFinance #FinancialClarity #OilAndGasProfessionals #MidCareerMoney #PlanWithPurpose #WomenInFinance #FinancialPlannerMidlandTX #BuildWealthWithConfidence #LiveBeyondBalanced
  • 💡What If Your Child Doesn’t Use All Their 529 Funds? ㅤ Thanks to the SECURE 2.0 Act, you may now be able to roll leftover 529 plan funds into a Roth IRA for your child—giving them a head start on retirement savings. 🧠💸 ㅤ But don’t move too fast! There are rules and limits to follow: ㅤ ✅ 529 must be open for 15+ years ✅ $35K lifetime limit ✅ Annual Roth IRA limits apply ✅ Beneficiary must have earned income ㅤ This could be a game-changer for families who value both education and long-term wealth building. Want to know if your plan qualifies? ㅤ 📩 DM me or schedule a call—we’ll walk through it together. ㅤ #529plan #SecureAct2022 #RothIRA #FinancialPlanning #OilAndGasFamilies #BeyondBalanced #MidlandTX #FamilyFinance #CollegePlanning #WealthBuilding
  • On this Memorial Day, we pause to honor and remember the brave men and women who gave their lives in service to our country. ㅤ For me, this day holds deep personal meaning. ㅤ In 2016, I lost my brother, Vincent Wayne Whitmire, a Senior Chief in the United States Navy, at the age of 43. He was a leader, a protector, and someone who lived with quiet courage and unwavering service. His legacy lives on in every person he inspired and every life he touched. ㅤ At Beyond Balanced, we talk often about living with purpose and planning with intention. But days like this remind us that some legacies are built through sacrifice—and that freedom is never free. ㅤ As you spend time with family today, I invite you to reflect not just on the holiday, but on the legacy you’re building. Because how we live, give, and serve is how we honor those who came before us. ㅤ 💙 With gratitude, I honor Vincent—and all those who made the ultimate sacrifice. ㅤ #MemorialDay #HonorAndRemember #USNavy #BeyondBalanced #LiveWithPurpose #LegacyMatters #FaithAndFinance #WomenInFinance #FinancialPlannerMidlandTX #BuildWealthWithConfidence
  • "Money grows on the tree of persistence." – Japanese Proverb ㅤ 🌳 True wealth isn’t built overnight—it’s built with consistent action, smart planning, and the patience to let your efforts grow over time. ㅤ At Beyond Balanced, we work with families and professionals who understand that lasting success takes discipline, not luck. ㅤ ✅ Automating savings ✅ Sticking to your investment plan ✅ Making mindful decisions with every bonus, stock vesting, or career move ㅤ These aren’t quick wins—they’re intentional steps toward financial freedom. ㅤ 💬 If you're planting the seeds for your future, let’s make sure your plan is rooted in purpose, clarity, and balance. ㅤ Because in the long run, persistence always pays off. ㅤ #BeyondBalanced #MoneyMindset #WealthBuilding #PersistencePays #OilAndGasProfessionals #MidlandTXFinance #FaithAndFinance #GrowYourWealth #FinancialDiscipline #WomenInFinance #FinancialPlannerMidlandTX #BuildWealthWithConfidence
  • ✨ Why I Started Beyond Balanced Financial Planning ✨ ㅤ In Midland, many financial advisors only cater to high-net-worth families. But what about those building wealth—juggling a growing career, raising kids, and trying to plan for the future? ㅤ I started Beyond Balanced because I saw a need. A need for honest, judgment-free advice. A need for education, not intimidation. A need for balance. ㅤ 💡 I’ll never forget the client who said: "I’m stressed, I don’t understand this stuff, and I just need someone to help." That moment changed everything. ㅤ As a woman in a male-dominated industry, I created a space where people feel heard and empowered. Where no question is too simple. And where financial planning helps you build a life you love—today and tomorrow. ㅤ This isn’t just about spreadsheets. It’s about peace of mind, clarity, and confidence. It’s about you. ㅤ 💬 Let me know if this resonates with you or someone you know. #BeyondBalanced #MidlandTX #FinancialPlanning #WomenInFinance #OilAndGasFamilies #FinancialFreedom #BuildWealthWithConfidence #FaithAndFinance
  • 🛢️ Just because tax season is over doesn’t mean your planning should be. ㅤ If you’re in the oil & gas industry, your income probably isn’t “one size fits all.” Between bonuses, equity comp, and family life—your financial picture deserves more than a once-a-year review. ㅤ That’s where Beyond Balanced comes in. We help mid-career professionals take control of their taxes before the year ends—so you can: ㅤ ✅ Maximize your 401(k) and HSA ✅ Make smart moves with Roth vs. Traditional ✅ Strategically plan around high or low income years ✅ Avoid tax surprises (and stress) ㅤ Because great financial planning isn’t just about saving money. It’s about clarity, confidence, and living a life you love—on purpose. ㅤ 💬 Ready to see where your year is headed? Let’s plan ahead—together. ㅤ #BeyondBalanced #TaxPlanning #OilAndGasProfessionals #WestTexasFinance #MidCareerMoney #FinancialConfidence #WomenInFinance #StrategicPlanning #RothIRA #HSAPlanning #EarlyRetirementGoals #BuildWealthWithConfidence #FaithAndFinance #FinancialPlannerMidlandTX

Achieve Financial Freedom With Our Comprehensive Planning Services

Take the first step towards financial freedom with our holistic planning services, tailored to your unique goals and aspirations.

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