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

Social Media: #NewestBusinessLiabilityRisk

Social Media: #NewestBusinessLiabilityRisk

Social media may be a modern imperative for businesses looking to grow and build their brand, but it also introduces risk.

Good Health is Good Business

Good Health is Good Business

Good employee health can be great for the company’s bottom line.

Understanding Long-Term Care

Understanding Long-Term Care

Understanding the types of long-term-care services—and what those services could cost—may be critical.

 

Stop Wasting Money

One way to find money is to examine your current spending habits and eliminate money wasters.

Buying Auto Insurance For Teen Drivers

Tips on insuring your teen driver.

What is the Value of Your Business?

Ascertaining the value of your business is important for a variety of reasons.

Putting a Price Tag On Your Health

Being healthy not only makes you feel good, it may also help you financially.

“Dirty Dozen” Tax Scams to Watch For

Every year the IRS releases its list of tax scams, spotlighting some ways that people try to separate you from your money.

When Heirs are Imperfect

The money problems or bad lifestyle habits of adult children could lead to the squandering of any inheritance they receive.

View all articles arrow

A Look at Systematic Withdrawals

This calculator may help you estimate how long funds may last given regular withdrawals.

Federal Income Tax

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

Tax Freedom Day

Assess how many days you'll work to pay your federal tax liability.

What Is My Life Expectancy?

Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.

Should I Pay Off Debt or Invest?

This calculator will help determine whether you should invest funds or pay down debt.

How Much Home Can I Afford?

With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.

View all calculators arrow

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

View all presentations arrow

The Fed and How It Got That Way

Here is a quick history of the Federal Reserve and an overview of what it does.

The Richest Man in Babylon

In good times and bad, consistently saving a percentage of your income is a sound financial practice.

Social Security: By the Numbers

Here are five facts about Social Security that might surprise you.

Jane Bond: Scaling the Ladder

Agent Jane Bond is on the case, uncovering the mystery of bond laddering.

Don't Buy The Hype

There are a lot of misconceptions about Social Security. Here’s the truth about three of them.

It May Be Time for a Financial Checkup

It’s never a bad time to speak with your financial advisor about changes in your situation.

View all videos arrow