Planned and Purpose Driven
Wealth Management
Financial Planning and Investing for
Tax Efficient Growth and Risk Management
Beyond Retirement Planning
Your Financial Advisory Team for Life’s Journey
A simple retirement plan or investment vehicle isn’t enough when your financial security and family
are at stake. You deserve a customized solution tailored to your unique needs and goals.
We offer wealth management for high net-worth individuals and families, collaborating to create and
implement detailed financial plans and investment strategies. We build long-term relationships, stay
by our client’s side throughout the process and continuously monitor and adjust the plan as
circumstances change.


Voted Bloomington Normal’s Best!
With overwhelming support of our community, we have consistently been honored as
the best of the best in several catagories, year after year.

#1 Financial Planning Office (2017-2023)
#1 Investment Firm (2018-2023)
#1 Financial Planner, Krista McBeath (2021-2023)
Our Differences
Experience our innovative approach to wealth management that goes beyond
asset management; Why settle for less than our comprehensive financial
planning, tax strategy, and investment management?
Creating a foundation of
trust with fiduciary services
Focusing on your goals, not
products or numbers
Implementing cutting edge
tools to get the most out of
your plan
Delivering personalized
concierge services with full
support
Wealth Management Services
We are committed to helping those with over $500,000 in investible assets unlock the full potential
of their wealth. Our holistic financial planning process evaluates every aspect of the financial
situation to ensure the investment strategy aligns with financial and retirement objectives while
factoring tax implications into the equation at every stage.
Our Wealth Management Plans Include:
Financial Planning
A detailed analysis of finances and goals, with precise planning for creating a path for achieving an optimal outcome
- Protect and preserve your retirement lifestyle
- Develop an estate plan for multigenerational wealth
- Prepare for unexpected life events and financial emergencies
Asset Management
Managed investments, optimized for a balance of safety and growth to match defined goals and risk tolerance
- Custom Exchange Traded Funds portfolio allocated for optimal risk-adjusted returns
- Proactive management and monitoring of investments portfolio to meet objectives
- Regular meetings, reporting, and live access to portfolio performance
Tax Strategy
Maximize tax-efficiency by incorporating all financial elements to achieve financial goals while minimizing the overall tax burden
- Manage Roth and 401K conversion strategies
- Establish estate transfer plans to reduce heirs’ tax liability
- Incorporate charitable distribution strategies
Financial Planning
A detailed analysis of finances and goals, with precise planning for creating a path for achieving an optimal outcome
- Protect and preserve your retirement lifestyle
- Develop an estate plan for multigenerational wealth
- Prepare for unexpected life events and financial emergencies
Investment Management
Managed investments, optimized for a balance of safety and growth to match defined goals and risk tolerance
- Custom portfolio of ETF’s allocated for an optimized risk-adjusted return
- Proactive management and monitoring of investments portfolio to meet objectives
- Regular meetings, reporting and online real-time investment performance access
Tax Strategy
Maximize tax-efficiency by incorporating all financial elements to achieve financial goals while minimizing the overall tax burden
- Manage Roth and 401K conversion strategies
- Establish estate transfer plans to reduce heirs’ tax liability
- Incorporate charitable distribution strategies

About Us
Of all the financial questions you might ask, we believe the most important one is, “Whom should I trust to guide me?”
We understand it's a big decision to entrust your retirement goals and wealth to a financial professional; with so many choices, how do you choose? We are proud of our reputation for compassion, integrity, and expertise.
As fiduciaries, we are your financial advocate, guided by your objectives and your best interest. We are an independent registered investment advisor firm, not beholden to any single product or company. As experienced financial planners we offer recommendations specific to your situation with a goal to maintain and improve your lifestyle, while preserving your wealth and legacy.
Explore Our Financial Planning Process
Comprehensive Financial Strategies with
Personalized Retirement Planning
Financial planning is the cornerstone of our wealth management services, encompassing several essential components, including tax strategy, investment planning based on risk tolerance, cash-flow projections, and estate planning.
To begin our process, we work together to clarify your current financial situation and your goals, from retirement planning or legacy wealth planning. After gaining a thorough understanding, we leverage cutting-edge software tools to develop a comprehensive financial plan, providing clarity and peace of mind.

Featured Case Studies
View Hypothetical Examples Of How We Can
Apply Our Experience To Different Situations.

Aspiring Early Retirees Seeking a Secure Retirement Plan
Aspiring Early Retirees Seeking a Secure Retirement Plan
Aspiring Early Retirees Seeking a Secure Retirement Plan Bob and Jill, a couple in their mid-50s, were employed by a... Read More
READ FULL CASE STUDY
Tax Concerns Threaten a Dream and a Legacy
Tax Concerns Threaten a Dream and a Legacy
Tax Concerns Threaten a Dream and a Legacy Five years into their retirement, Jeff and Karen were happily living a... Read More
READ FULL CASE STUDY
Charity Driven Retiree
Charity Driven Retiree
Transforming Heartache into a Blessing with a Charitable Tax Strategy Linda, a 67-year-old retired nurse, has always had a love... Read More
READ FULL CASE STUDY

The Generational Wealth System
by Founder, Krista McBeath
Receive Our Free Lifestyle & Legacy Gift Box
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Our Insights and Stories
From a Mother's Heart: 7 Financial Steps to Safeguard Your Children's Future

From a Mother's Heart: 7 Financial Steps to Safeguard Your Children's Future
From a Mother's Heart: 7 Financial Steps to Safeguard Your Children's Future Nobody ever claimed that being a Mom was...
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Certified Financial Planner Awarded

Certified Financial Planner Awarded
CERTIFIED FINANCIAL PLANNER™ Professional Reveals the Challenge and Reward Behind the Certification We are ecstatic to bring you exciting news:...
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My Three Rules for Vacations and Financial Planning

My Three Rules for Vacations and Financial Planning
3 Unbroken Rules for Vacations and 3 for Financial Planning As an Investment Advisor and Financial Planner, I’m quite familiar...
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Your Financial Advisor Team in Bloomington Normal

Your Financial Advisor Team in Bloomington Normal
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McBeath Financial Group Welcomes Certified Financial Planner®, Zack Brewer, CFP®

McBeath Financial Group Welcomes Certified Financial Planner®, Zack Brewer, CFP®
McBeath Financial Group Welcomes Certified Financial Planner™, Zack Brewer, CFP® We are excited to announce Zack Brewer, an experienced Certified...
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Investment Strategy Mistakes Taught by Reckless Drivers

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Retirement Planning For Women

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Retirement Planning for Women: Empowering Your Financial Future Retirement planning can be a daunting task, but as women, we possess...
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Money and Marriage: Understanding Your Financial Relationship

Money and Marriage: Understanding Your Financial Relationship
Money and Marriage: Understanding Your Financial Relationship As a financial advisor, I understand that money plays a significant role in...
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Building a Financial Strategy That Will Endure

Building a Financial Strategy That Will Endure
Building a Financial Strategy That Will Endure Like the Pyramids What's the key to a financial strategy built to last?...
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The Goldilocks Paradox: Enough Savings for Retirement

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Life Storms: Protecting Your Retirement From Multiple Threats

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Life Storms: Protecting Your Retirement From Multiple Threats Gas prices and inflation are spiraling out of control. Investment accounts are...
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A Financial Advisor's Role is Like Fishing With Kids

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A Financial Advisor's Role is Like Fishing With Kids This summer, I realized my job as a financial advisor is...
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Retiring in a High Inflation Market

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Guidance for Retiring in a High Inflation Market Retirement is often referred to as our golden years, and for many...
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Honoring A Spouses Memory by Creating a Legacy

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Out of the Heartache of Alzheimer's, Passion Leads to a Legacy I often don't know what to expect when I...
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City of Bloomington and Town of Normal Financial Planning Firm Sponsor

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Financial Planning Firm Sponsoring the Official Bloomington and Normal Community Video Program McBeath Financial Group is proud to announce...
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Enough Money to Retire Yet

Enough Money to Retire Yet
Boat Shopping and Retirement Savings: Do I Have Enough Money Yet? My family and I recently returned from our annual...
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Fintech for Financial Planning

Fintech for Financial Planning
Fintech for Financial Planning 3 Reasons My Clients Love FinTech (Even If They Don't Know What That Is) Like many...
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Eyes on Your Own Money

Eyes on Your Own Money
Eyes On Your Own Money We anxiously arrived at the school and were thrilled to greet other parents and settle...
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The Sweat and Stress Driven By Love

The Sweat and Stress Driven By Love
The Sweat and Stress Driven By Love My brother's two boys needed a little happiness in their lives after they...
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What Happens After a Loved One Passes

What Happens After a Loved One Passes
The Shock and the Aftermath of a Loss It’s been three weeks since the sudden loss of my brother. Even...
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Transferring Wealth While Living

Transferring Wealth While Living
Strategies for Transferring Wealth to the Next Generation Planning for the transfer of your wealth to loved ones may be...
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Life Insurance Planning for Needs

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Who Needs Another Life Insurance Pitch? Have you seen the Bill Murray movie, Groundhog Day? No matter how many times...
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Fresh Perspective on Financial Planning

Fresh Perspective on Financial Planning
Bathroom Reno Snags Give a Fresh Perspective on Financial Planning The Art of Planning: From Financial Planning to Home Renovations...
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Convert Savings Into Retirement Income

Convert Savings Into Retirement Income
How Do You Convert Savings into Retirement Income? How to turn retirement savings accounts into a steady income stream is...
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Tax Free Retirement

Tax Free Retirement
Is There Such Thing as a Tax Free Retirement? Alas, the actual process of setting up a solid retirement strategy...
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Who Should Not Meet Me for Financial Advice

Who Should Not Meet Me for Financial Advice
Why You Should NOT Meet Me For Financial Advice Yes, you read the title correctly. I'm absolutely not the right...
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ETF Investments

ETF Investments
Why Are Savvy Investors Flocking to ETFs? Exchange Traded Funds (ETFs) originated in 1993 as an easy and low-cost way...
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Why Are Retirees Leaving Money in Their 401k Plans

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Why Are Retirees Leaving Their 401K Money With Their Former Employer's Plan? My husband often playfully tells our 10-year-old daughter,...
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Save Taxes In Retirement

Save Taxes In Retirement
Does a Market Recovery Signal a Missed Opportunity to Save Taxes in Retirement? Market Drops can be a Huge Opportunity...
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DIY Financial Planner Problems

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Why are DIY Financial Planners Turning to Financial Advisors? “I’ve Got a 401k and Social Security. Why Do I Need...
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Why You Need a Financial Planner and an Investment Advisor for Retirement

Why You Need a Financial Planner and an Investment Advisor for Retirement
Titanic or Love Boat: What Course Will Your Retirement Journey Take? I know many people preparing for retirement are either...
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Secure Act Changes to Retirement Plans

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Who is Feeling SECURE with the New Tax Change for Retirement Accounts? The nine most terrifying words in the English...
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Financial Planning for Loss of a Spouse

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Financial Planning for Loss of a Spouse The loss of a spouse is one of the hardest things most people...
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This Rookie's Contract Like a Well-Timed Fixed Annuity

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A Lesson in Locking in Financial Security from an Unlikely Cubs Newcomer I loved the Cinderella story of this Cubs...
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Why I Chose the ChFC ® Designation over the CFP ® Certification

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Choosing the Chartered Financial Consultant (ChFC) ® Designation or the Certified Financial Planner (CFP) ® Certification Certified Financial Planner (CFP)®...
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Feeling Queasy in Market Turbulence

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Navigating Market's Turbulence: Lessons from Air Travel When we experience a year with market drops, it sometimes warrants a response...
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Everyone Has a Financial Plan Until They Get Punched in the Mouth

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Everyone Has a Financial Plan Until They Get Punched in the Mouth Mike Tyson is probably the last person...
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Nobody Ever Frames Their Financial Plan

Nobody Ever Frames Their Financial Plan
Nobody Ever Frames Their Financial Plan Most of my clients will never realize how much detail and attention I put...
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Climbing a 401k Rollover

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Climbing a 401K Rollover: Q & A K2 is the name of the second highest mountain in the world....
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Who is Taking a Bite Out of Your Retirement Account?

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Who is Taking a Bite Out of Your Retirement Account? Don't Watch Your Retirement Account Savings Melt Away Like an...
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Don't Buy an Annuity Before Reading This!

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Before You Buy an Annuity, You Need to Know This! Many people purchase annuities as a way to provide income...
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Dave Ramsey and Mutual Funds

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What Dave Ramsey Should Explain About Mutual Funds Most people are familiar with Dave Ramsey, the anointed financial guru who...
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Is It Enough Money to Retire?

Is It Enough Money to Retire?
“How Much Will I Need to Retire?” When it comes to retirement planning, it’s my quest to help people realize...
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Is a Roth IRA Conversion Really a Good Idea?

Is a Roth IRA Conversion Really a Good Idea?
Is a Roth IRA Conversion Really a Good Idea? The upside and possible negatives of converting a traditional IRA to...
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Does Sequence of Returns Math Upend Timing the Market?

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The Sequence of Returns Roller-Coaster in Retirement Income Planning A look at how variable rates of return do (and do...
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Tax Advantaged Strategies for Charity Support

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Is Fear Putting Your Financial Plan at Risk?

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Is Fear Putting Your Financial Plan at Risk? A Haunting Parallel: Fear in Finance and Ghostly Mansions Some say the...
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This Financial Advisor's Hurricane Encounter Reveals Investment Insights

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Navigating Storms: An Investment Advisor's Encounter with Hurricane Michael As an Investment Advisor, located in Bloomington/Normal IL, the biggest danger...
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Retire Healthy, Wealthy and Wise

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Should You Take the Employee Buyout Option?

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Hammered into an Investment?

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What Am I Supposed to Do Now?!

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Why It’s Important to Plan Ahead for Senior Living

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Alternative Options for Covering Long Term Care Expenses to Protect Assets and Family

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Charity Support with Kathy Schniedwind, Humane Society of Central Illinois

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Six Key Factors for a 401(k) to IRA Rollover

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Rollover Options When Changing Jobs: Take Your 401(k) and…Roll It!

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Let’s Talk
Schedule An Introductory Call with McBeath
Financial Group
We realize that there can be questions and concerns regarding investments, especially during transitionary periods of life. We invite you to take the first step toward a clearer financial future. Schedule your complimentary 20-minute phone call so we can meet you and learn more about your needs and concerns.