Crystal Rau
Beyond Balanced Financial · Midland, Texas
Crystal Rau is a fee-only financial advisor at Beyond Balanced Financial in Midland, Texas, who holds the CFP and MBA credentials. Crystal charges an ongoing planning fee (no asset minimum) and focuses on small business owners.
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Specialties
Who they serve
- Early-career professionals
Facts
| Firm | Beyond Balanced Financial |
|---|---|
| Based in | Midland, Texas |
| Fee model | Ongoing planning fee |
| Fees (firm's website) | No asset minimum |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Assets under management | $27.3M across 160 accounts |
| Credentials | CFP · MBA |
| SEC registration | Investment adviser representative in TX · CRD 5209916 |
| Exams passed | Series 63 (2006) · Series 65 (2007) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | beyondbalancedfinancial.com |
| Profile |
How Crystal's firm compares
- Beyond Balanced Financial's average account is about $171,000, from its Form ADV (assets managed divided by 160 accounts).
Request an introduction to Crystal
Tell Crystal a little about what you're looking for. Crystal isn't on Wellspent yet, so we'll let them know you're looking for help and pass your message on when they join. No cost, no obligation.
Questions about Crystal
Is Crystal Rau a fee-only financial advisor?
Yes. Crystal Rau is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Crystal's firm.
How does Crystal charge for financial advice?
Crystal charges an ongoing planning fee.
How much does Crystal charge?
According to Beyond Balanced Financial's website, checked October 28, 2026: no asset minimum.
Does Crystal work with clients virtually?
Yes. Beyond Balanced Financial says on its website that it works with clients remotely.
Where is Crystal Rau based?
Crystal Rau is based in Midland, Texas.
What does Crystal specialize in?
Crystal's specialties include small business owners. Crystal works with early-career professionals.
What credentials does Crystal Rau hold?
Crystal Rau holds the CFP and MBA credentials.
Is Crystal Rau registered with the SEC?
Yes. Crystal Rau is registered as an investment adviser representative in TX (CRD 5209916), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How much does Beyond Balanced Financial manage?
Beyond Balanced Financial reports $27.3M across 160 accounts in assets under management.
How do I contact Crystal Rau?
Through Crystal's website, beyondbalancedfinancial.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in Texas
Other advisors in Texas who focus on small business owners
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- Beyond Balanced Financial website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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