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 starting at $137 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. It was important for me to build a practice that allows those working towards financial freedom to build a solid foundation by providing valuable advice all while keeping it affordable.

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.

It takes as much energy to wish as it does to plan.”  – Eleanor Roosevelt

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.