Terry Prather


Keystone Financial Consulting

Financial Advisor

Terry Prather


Keystone Financial Consulting

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Terry Prather, CFP®, ChFC®

Fee-Only financial planner located in Evansville, IN, serving clients locally and across the country

Terry Prather is a Evansville, IN fee-only financial planner. Keystone Financial Consulting provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Terry Prather is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
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.

Terry Prather is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning
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.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Terry Prather is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Terry Prather is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • ChFC - Chartered Financial Consultant
    Terry Prather is a Chartered Financial Consultant® (ChFC®)

    Chartered Financial Consultant® designations are granted upon completion of seven required courses and two elective courses. Those who earn the designation are understood to be knowledgeable in financial matters and to have the ability to provide sound advice.

Contact Terry Prather

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Office Locations:

  • 601 N Cross Pointe Blvd
    Evansville, IN 47715

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