# Josue Luque De Julio

> Josue Luque De Julio is a fee-only financial advisor at Next Gen Financial Planning in San Diego, California, who holds the CFP credential. Josue focuses on student loans, equity compensation and tax planning. Next Gen Financial Planning reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/josue-luque-de-julio/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Next Gen Financial Planning
- **Based in:** San Diego, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Fees (firm's website):** no asset minimum
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $43.5M across 140 accounts
- **Credentials:** CFP
- **Specialties:** Student loans, Equity compensation, Tax planning, Estate & legacy planning
- **Works with:** High earners, Early-career professionals
- **CRD:** 7599593 (https://adviserinfo.sec.gov/individual/summary/7599593)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 65 (2022)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** http://nextgenfinancialplanning.com

## Frequently asked questions

### Is Josue Luque De Julio a fee-only financial advisor?

Yes. Josue Luque De Julio is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Josue's firm.

### How does Josue charge for financial advice?

Josue's firm, Next Gen Financial Planning, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### How much does Josue charge?

According to Next Gen Financial Planning's website, checked October 28, 2026: no asset minimum.

### Does Josue work with clients virtually?

Yes. Next Gen Financial Planning says on its website that it works with clients remotely.

### Where is Josue Luque De Julio based?

Josue Luque De Julio is based in San Diego, California.

### What does Josue specialize in?

Josue's specialties include student loans, equity compensation, tax planning and estate & legacy planning. Josue works with high earners and early-career professionals.

### What credentials does Josue Luque De Julio hold?

Josue Luque De Julio holds the CFP credential.

### Is Josue Luque De Julio registered with the SEC?

Yes. Josue Luque De Julio is registered as an investment adviser representative in CA (CRD 7599593), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Next Gen Financial Planning manage?

Next Gen Financial Planning reports $43.5M across 140 accounts in assets under management.

### How do I contact Josue Luque De Julio?

Through Josue's website, nextgenfinancialplanning.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/38916): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.nextgenfinancialplanning.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.