Terry  Prather

Terry Prather

| CFP®, ChFC®

Keystone Financial Consulting

(812) 602-6307

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Fee-Only Financial Planner serving the Evansville, IN area.


  • Fee-Only Financial Planning
  • Financial Review
  • Hourly Fee Consultations
  • Retirement Planning
  • Investment Management
  • Tax Planning
  • Estate Planning
  • Insurance Services
  • College Education Planning
  • 401(k) and IRAs
  • Business Planning
  • Employee Benefits


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601 N Cross Pointe Blvd
Evansville, IN 47715

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Terry Prather is a Evansville, IN Fee-Only Financial Planner serving Evansville and all surrounding areas. Keystone Financial Consulting specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life's transitions. Terry Prather is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.
In his position as a Wealth Planner with Keystone Financial Consulting,  Terry Prater helps families use their financial resources to accomplish what’s most important to them.  “I help families evaluate and balance their long-term financial independence with all their other life goals,” he says. “These families often want to be responsible with the financial resources available to them to do good things for family and the causes they’re passionate about.  We all make financial decisions every day, and I have the privilege of helping clients make these decisions in context of their long-term picture.”

Had he not found college physics to be boring, he might not have ever become a wealth planner. Initially Terry pursued an engineering degree, but lacked enthusiasm for the physics classes in his major. When he switched colleges and changed majors, the pieces began to fall into place. He discovered an aptitude for accounting, and after graduation found himself drawn to financial planning. This desire eventually led Terry to earn the CERTIFIED FINANCIAL PLANNER™ certification and then pursue a Master of Science in Financial Services, and each day he uses this knowledge to help families find that healthy balance between today and tomorrow.

“I enjoy being face-to-face with our clients, and I like being able to explain the more technical aspects, explain how their strategy works,” says Terry. “We like it when clients walk away feeling they received a lot of value, that we’ve used their resources effectively.”

As a man with a strong, faith-filled Christian background, Terry devotes a good bit of his free time toward music ministry in his church, New Life Church in Newburgh. Terry and his wife Paula share their talents through singing and playing guitar (Terry) and keyboards (Paula) and are sometimes joined by their three children in this endeavor. They also like to spend time as a family outdoors, visiting Holiday World and Paoli Peaks, riding bikes, hiking, and swimming.

Terry’s Area of Expertise:
Terry and Paula assist with the music program on Sundays at their church, he on the guitar and she on keyboards as they both sing. The couple lives in Newburgh and has three children, Ryan, Lena and Tera. The family enjoys softball/baseball, volleyball, hiking and riding their bikes.
Keystone helps families attain and maintain financial security for life!

The Keystone process begins with YOU…

Keystone Financial Consulting – a division of Payne Wealth Partners – offers customized services for successful families and individuals who want to achieve and maintain financial security.

Our first priority is learning what’s important to you. Then, our team of professionals develops a specific plan for you and works in partnership with you to accomplish your goals. You can count on your Keystone team to provide an ongoing, proactive, personal relationship that focuses solely on serving your needs. Our fee-only structure confirms our commitment to putting our clients first.

Why Keystone Financial Consulting?

Keystone Financial Consulting focuses on serving successful families and individuals who want to attain and maintain the financial security necessary to live their best lives. Payne Wealth Partners created the Keystone division to address the need for a service team and a process specifically designed for clients who want financial security. These clients have different goals and need different solutions than our Payne Wealth Partners’ clients who have already attained very-high levels of wealth. Keystone clients are successful people who recognize the value of partnering with trusted professionals to map out and execute a relevant plan for financial independence.