# Rafael Melendez

> Rafael Melendez is a fee-only financial advisor at Next Gen Financial Planning in San Diego, California, who holds the CFP credential. Rafael 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/rafael-melendez/
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:** 6941953 (https://adviserinfo.sec.gov/individual/summary/6941953)
- **SEC registration:** Investment adviser representative in CA
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://nextgenfinancialplanning.com

## Frequently asked questions

### Is Rafael Melendez a fee-only financial advisor?

Yes. Rafael Melendez is listed in 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 Rafael's firm.

### How does Rafael charge for financial advice?

Rafael'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 Rafael charge?

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

### Does Rafael work with clients virtually?

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

### Where is Rafael Melendez based?

Rafael Melendez is based in San Diego, California.

### What does Rafael specialize in?

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

### What credentials does Rafael Melendez hold?

Rafael Melendez holds the CFP credential.

### Is Rafael Melendez registered with the SEC?

Yes. Rafael Melendez is registered as an investment adviser representative in CA (CRD 6941953), 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 Rafael Melendez?

Through Rafael's website, nextgenfinancialplanning.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/rafael-melendez-11135): 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.