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Fiduciary Financial Advisors In Crystal Lake, IL

755 McArdle Drive, Suite F
Crystal Lake, IL 60014
(815) 893-6140
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Fiduciary Financial Advisors in Crystal Lake, IL

MPPL Financial is proud to serve individuals, families, retirees, and business owners in Crystal Lake and throughout Northern Illinois. As an independent, registered investment advisor, we are legally and ethically committed to putting our clients’ best interests first through objective advice, transparent guidance, and personalized financial strategies.

Our Crystal Lake team provides comprehensive financial planning, retirement planning, investment management, and divorce financial planning, along with specialized advisory services for business owners. Whether you’re preparing for retirement, navigating a major life transition, or seeking greater confidence in your financial future, we’re here to help.

Our Team

Our We believe collaboration leads to better outcomes. That’s why clients benefit from the collective expertise of advisors and specialists across MPPL Financial who work together to provide thoughtful guidance and personalized service.
Terri Rau

Terri Rau, ChFC®, CDFA®

Financial Advisor and Vice President Client Services

Bryson Cioni

Trader/Investment Analyst
Carol Austin

Carol Austin

Client Service Associate
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Services Offered in Crystal Lake, IL

Financial Planning

For Crystal Lake and Northern Illinois -area families building or preserving wealth.

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Investment Management

Customized, tax-smart portfolios that align with your overall financial plan.

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Retirement Enhancer

For Crystal Lake and Northern Illinois professionals 5 years from retirement, or recently retired.

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Divorce Financial Planning

For individuals contemplating, or going through, a divorce across Northern, Illinois.

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Business Solutions

For privately held businesses across Northern Illinois — corporate retirement plans, executive benefits, and exit planning.

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Read Reviews from Our Crystal Lake Clients

For more than 35 years, MPPL Financial has proudly served individuals, families, and business owners with trusted financial guidance. See what clients are saying about their experience working with our team. 
 
 
 
 
 
 
 
 Posted on Google Google 
 
 
 Denise Raffalo 
 
16 March 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Terri Rau, at MPPL Financial in Crystal Lake, IL, is a top-tier financial advisor and fiduciary.  This company has real people, doing real work, managing its clients' money carefully yet effectively. They have the technology and expertise to model your personal financial situation so that it is understandable and clear. If you are wondering where you stand as it relates to retirement, or preparing for retirement, and need better visibility as to what it will take to secure your future you would be well-served to make an appointment to visit with Terri and her capable team. Sharing your unique situation and retirement goals with them, will allow them to develop a plan that achieves the investment results necessary to support all your retirement objectives. And I know this is true, because I am also a client, who has first-hand experience with this outstanding, high-touch service.
  
 
 
 
 
 
 Posted on Google Google 
 
 
 Jim Massaro 
 
11 March 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
We have worked with MPPL for just shy of 30 years.  They have helped us set financial goals and achieve and surpass those goals. With their professional, yet personal touch, we have grown a very comfortable relationship with a great group of individuals.
  
 
 
 
 
 
 Posted on Google Google 
 
 
 joan hladik 
 
8 March 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
I have been very pleased with Terri Rau and the entire staff at MMPL! They are always prepared & explain details in practical terms. They are prompt to return calls & listen to all questions. I’m so happy to have them investing my money!
  
 
 
 
 
 
 Posted on Google Google 
 
 
 Kathie McLaughin 
 
8 March 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Terri has done a great job managing my portfolio. She was extremely helpful when I was dealing with a death in the family and answered all of my questions. She is great to work with!
  
 
 
 
 
 
 Posted on Google Google 
 
 
 Ron Mistretta 
 
7 March 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
We have been using MPPL for a few years now and are very happy with the services they have provided.  They have given us tremendous peace of mind by ensuring that our future and those of our daughter are planned for.
  
 
 
 
 
 
 Posted on Google Google 
 
 
 Trish Sink 
 
5 March 2026
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Terri is always prepared and able to answer almost all of the questions I have.  If not, she tells me she will find out and get back to me, which she always does. I have worked with her for years and she knows I don’t always understand everything she is telling me.  I am able to stop her and ask her to explain things.  She breaks things down to where I can understand better.  I feel very comfortable and not afraid to ask questions.  She is always friendly and cheerful while very professional.
  
 
 
 
 
 
 Google rating score: 5.0 of 5, based on 19 reviews
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Clients were not compensated for providing their review. The opinions expressed by clients are not endorsed by MPPL Financial and may not reflect the views expressed by other clients. Depending on the facts and circumstances, public commentary made directly by a client about their own experience with, or endorsement of, an investment adviser, their personal investments, or their approval of Midwest Professional Planners is considered a testimonial. Testimonials are based on unique experiences from current clients and are not representative of all client experiences nor is it indicative of future performance or success.

Why Choose MPPL Financial in Crystal Lake

Fiduciary Financial Advice

As an independently owned registered investment advisor and fiduciary, we are legally obligated to put your interests first. We provide fee-only financial planning and investment management without the conflicts that can come from broker-dealer ownership.

35+ Years of Experience

MPPL Financial has helped individuals, families, and businesses navigate important financial decisions since 1990. Today, we bring that experience and fiduciary commitment to clients in Crystal Lake and Northwest Illinois communities through a local, relationship-focused team.

Complete Wealth Management

Where many local firms specialize in one service line, MPPL delivers comprehensive financial planning, investment management, retirement planning, divorce financial planning, and business solutions under one roof.

MPPL Financial Awards & Recognition

MPPL Financial Named Best of the Best Financial/Wealth Advisor in the Northland* 

*Duluth News Tribune nominated Midwest Professional Planners ("MPPL") for this recognition.  Financial professionals in the Northland were nominated by the public and firm employees with the top 5 nominees being named finalist. There was no compensation (cash or non-cash) in connection with the award.  The rating was given on 9.16.2026 for the prior 12-month period.  The recognition should not be construed by a client or prospective client as a guarantee to experience a certain level of results; a current or past endorsement if MPPL is engaged.

Frequently Asked Questions

Yes. MPPL Financial is a fiduciary financial advisory firm and independent registered investment advisor. That means we are legally and ethically obligated to act in your best interest at all times.

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