# Crystal Karstens

> Crystal Karstens is a fee-only financial advisor at Petra Financial Advisors in Colorado Springs, Colorado. Petra Financial Advisors reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/crystal-karstens/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Petra Financial Advisors
- **Based in:** Colorado Springs, Colorado
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $447.2M across 1,171 accounts
- **CRD:** 6876013 (https://adviserinfo.sec.gov/individual/summary/6876013)
- **SEC registration:** Investment adviser representative in CO
- **Exams passed:** Series 65 (2017)
- **Firm size:** 15 employees
- **Disclosures:** None reported
- **Website:** http://www.petrafinancial.com

## Frequently asked questions

### Is Crystal Karstens a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Crystal holds no broker registration, and Petra Financial Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Crystal charge for financial advice?

Crystal's firm, Petra Financial Advisors, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Crystal Karstens based?

Crystal Karstens is based in Colorado Springs, Colorado.

### Is Crystal Karstens registered with the SEC?

Yes. Crystal Karstens is registered as an investment adviser representative in CO (CRD 6876013), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Petra Financial Advisors manage?

Petra Financial Advisors reports $447.2M across 1,171 accounts in assets under management.

### How do I contact Crystal Karstens?

Through Crystal's website, www.petrafinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6876013): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.