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

Crystal Rau, CFP Midland TX



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.

Who We Help

Midland TX Financial Advisor

A Fresh Start

Alan and Sue are newlyweds and while they are both on the same page with their financial goals, they question whether they are on the right track. With Alan’s student loans and a new home purchase on the horizon, there seem to be so many decisions that need to be made. Am I saving enough? Should I be paying more towards my student loans? How should my retirement plan be invested?

Midland TX Financial Advisor

Unifying Goals

Brad and Cindy are go-getters. They prioritize adventure, relationships, health, and growth in their professional careers. However, one thing that they can’t seem to nail down is their finances. They feel as if their approach is separate, and Brad hopes to get Cindy more involved in the finances so they can make unified decisions and reach their goals faster.

Midland TX Financial Advisor

Nearing Retirement

After accumulating wealth throughout the years as an oil & gas executive, Kyle began thinking about retirement. He consistently saved and holds a variety of investment accounts, including 401(k) plans from his previous employers, ESPPs, and brokerage accounts. Is working optional for me at this point? At which point can I perhaps take an early retirement? Is it wise to build that vacation home?


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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