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.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
Estate Management 101
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate.
The Cost of Procrastination
Don't let procrastination keep you from pursuing your financial dreams and goals.
How Insurance Deductibles Work
Knowing how insurance deductibles work can help you save money and give you peace of mind.
How Women Can Prepare For Retirement
Are women prepared for a 20-year retirement?
What's So Great About a Rollover?
Making a career move requires tough decisions, not the least of which is what to do with the funds in your retirement plan.
Alternative Investments - Going Mainstream
Alternative investments are going mainstream for accredited investors. It’s critical to sort through the complexity.
Tax & Estate Strategies for Married LGBTQ+ Couples
Learn how to maximize your tax and estate strategy as a married member of the LGBTQ+ community.
Your Changing Definition of Risk in Retirement
A change in your mindset during retirement may drive changes to your portfolio.
View all articles
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
Roth 401(k) vs. Traditional 401(k)
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
What Is the Dividend Yield?
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
Home Mortgage Deduction
Use this calculator to assess the potential benefits of a home mortgage deduction.
Can I Refinance My Mortgage?
This calculator can help determine whether it makes sense to refinance your mortgage.
What Is My Current Cash Flow?
Assess whether you are running “in the black” or “in the red” each month.
View all calculators
Managing Your Lifestyle
Using smart management to get more of what you want and free up assets to invest.
Your Cash Flow Statement
A presentation about managing money: using it, saving it, and even getting credit.
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.
5 Smart Investing Strategies
There are some smart strategies that may help you pursue your investment objectives
View all presentations
Are Alternative Investments Right for You?
With alternative investments, it’s critical to sort through the complexity.
The Other Sure Thing
Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?
A Fruitful Retirement: Social Security Benefit
Taking your Social Security benefits at the right time may help maximize your benefit.
The Wild West of Data Theft
Learn about cyber liability insurance in this entertaining video.
Dreaming Up an Active Retirement
When you retire, how will you treat your next chapter?
Bridging the Confidence Gap
In the world of finance, the effects of the "confidence gap" can be especially apparent.