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

The Latte Lie and Other Myths

The Latte Lie and Other Myths

Do you know these three personal finance sayings?

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.

Don’t Be Your Own Worst Enemy

Don’t Be Your Own Worst Enemy

Emotional biases can adversely impact financial decision making. Here’s a few to be mindful of.

 

Understanding Long-Term Care

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

A Home Insurance Claim: To File Or Not To File

Learn when it may not make sense to file a claim on your home insurance.

The SECURE Act

This article may help you understand the most recent changes to your IRA and your RMD implemented with the SECURE Act.

Women on the Rise

Explore the growing influence women wield over the economy with this handy infographic.

To Catch a Thief

Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.

Certain Uncertainties in Retirement

The uncertainties we face in retirement can erode our sense of confidence.

View all articles arrow

Capital Gains Tax Estimator

Use this calculator to estimate your capital gains tax.

What Is My Current Cash Flow?

Assess whether you are running “in the black” or “in the red” each month.

Social Security Taxes

Estimate how much of your Social Security benefit may be considered taxable.

A Look at Systematic Withdrawals

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

Disability Income

This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

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.

View all calculators arrow

Long-Term-Care Protection Strategies

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

Managing Your Lifestyle

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

Principles of Preserving Wealth

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

Protecting Those Who Matter Most

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

View all presentations arrow

The Business Cycle

How will you weather the ups and downs of the business cycle?

Saving for College 101

Here’s a crash course on saving for college.

Don't Buy The Hype

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

The Long Run: Women and Retirement

For women, retirement strategy is a long race. It’s helpful to know the route.

The Real Cost of a Vacation Home

What if instead of buying that vacation home, you invested the money?

The Facts About Income Tax

Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.

View all videos arrow