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.


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.

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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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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