Broker Check

705 E. Lincoln Av., #301
Normal, IL 61761

(309) 585-0249

Facebook LinkLinkedin LinkTwitter LinkYouTube Link
Coaches A Fruitful Retirement: Social Security Benefit It May Be Time for a Financial Checkup From Boats to Brokers
Agent Photo

Understanding Today’s Financial Environment

Welcome, I am Cregg Miyat, an Independent full service financial brokerage service financial professional in Bloomington/Normal, Illinois. I understand as an individual you will face unique financial challenges throughout your life.  Whether your goal is saving for retirement, college savings, investment savings, or estate strategy, my personalized service focuses your needs, wants, and financial goals and objectives.

My business centers around financial planning, fee based and transactional asset management, business retirement plans, individual retirement plans, college savings strategies, investment savings strategies as well as life and long-term care insurance.

I have a professional resource team with years of experience and specific financial knowledge within the financial services industry.  I would welcome an opportunity to become a valuable resource in helping you address your financial needs of today and for many years to come. Give me a call at (309) 585-0249 and let’s visit.   

When I’m sitting down with people, I realize that financial planning and finances can be an overwhelming topic. For most people, it seems very complicated, and this can cause anxiety for people or even discord between family members, spouses, or business partners. To that end, I see my primary role as a financial advisor as helping to first educate people and then guide them toward financial decisions that can impact their lives in a positive way.

I try to look at all areas of your financial picture. A financial plan involves all of the major financial elements of your household and should be address insurance planning, investment planning, retirement-income planning, estate and legacy planning, household budgeting, tax strategies, college planning, and health-care planning.

My process starts with exhaustive discovery, covering the financial attitudes and underpinnings of your’ life, such as current net worth, assets, liabilities, income, current portfolio allocations, insurance coverages, and so forth. I use a comprehensive software system to help collect and organize that data, which also helps me go through a sequential financial-planning process and get to actionable recommendations. I discuss future goals in great detail, time lines, risk tolerances, and the unique circumstances that every family has. At the core, as a financial advisor, my job is to pick apart these factors, educate clients about various potential planning scenarios, and come to an agreement on forward-looking action plans.

I examine both the macro risks that could affect a client’s financial situation, as well as those that might be specific to their family or business circumstances. From an investment management standpoint, this usually starts with an evaluation of what you have been doing with your portfolios. Many times I have found a prospect does not realize the level of risk in their portfolio or whether it is a suitable level of risk. I do a lot of education on that topic and take you through a qualitative and quantitative risk assessment specific to your needs and objectives.

My emphasis is client education. My goal during any client meeting or an interview with a prospect is that I want you to walk away from that meeting knowing more about your financial situation and potential for improvement than you knew before.  Related to this, I want you to feel like we are sitting on the same side of the table.

The planning process is not a static one-time event. Life throws everyone curve balls, and things will happen—hopefully, the good will outweigh the bad. My approach to financial planning involves continuously monitoring of your situation and potentially making adjustments through the years. My desire is for you to keep your goals at the forefront and have a plan that can adapt—so you can continually work toward long-term financial security.


 

Helpful Content

How to Retire Early

How to Retire Early

Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.

Succeeding at Business Succession

Succeeding at Business Succession

There are a number of reasons for business owners to consider a business succession plan sooner rather than later.

Asset Allocation

Asset Allocation

Consider how your assets are allocated and if that allocation is consistent with your time frame and risk tolerance.

 

Term vs. Permanent Life Insurance

When considering life insurance, it's important to understand your options.

Money Draining Food Myths

These food myths will really put a drain on your wallet.

Protecting Your Home Against Flood Loss

Protect yourself against the damage that your homeowners policy doesn’t cover.

Earnings for All Seasons

Earnings season can move markets. What is it and why is it important?

Keeping Summer Safe: Pool and Spa Safety Tips

Each year hundreds of children die or are injured in pool accidents. By taking seven steps, you can keep your pool safe.

Does Your Portfolio Fit Your Retirement Lifestyle?

Lifestyle considerations in creating your retirement portfolio.

View all articles arrow

Contributing to an IRA?

Determine if you are eligible to contribute to a traditional or Roth IRA.

What Is the Dividend Yield?

This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.

Federal Income Tax

Use this calculator to estimate your income tax liability along with average and marginal tax rates.

Self-Employed Retirement Plans

Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.

Roth 401(k) vs. Traditional 401(k)

This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).

Should I Buy or Lease an Auto?

This calculator compares the financial impact of leasing versus buying an automobile.

View all calculators arrow

Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

View all presentations arrow

How to Retire Early

Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.

Choosing a Mortgage

Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.

Keeping Up with the Joneses

Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?

What Can a Million Dollars Buy You?

$1 million in a diversified portfolio could help finance part of your retirement.

Events on Wall Street

Can successful investors predict changes in the markets? Some can but others miss the market’s signals.

Extended Care: A Patchwork of Possibilities

What is your plan for health care during retirement?

View all videos arrow