Rafael Melendez
Next Gen Financial Planning · San Diego, California
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.
Request an introduction to Rafael →
Specialties
Who they serve
- High earners
- Early-career professionals
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 |
| Accepting new clients | Yes |
| Assets under management | $43.5M across 140 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in CA · CRD 6941953 |
| Firm size | 2 employees |
| Disclosures | None reported |
| Website | nextgenfinancialplanning.com |
| Profile |
How Rafael's firm compares
- Next Gen Financial Planning's average account is about $311,000, from its Form ADV (assets managed divided by 140 accounts).
Request an introduction to Rafael
Tell Rafael a little about what you're looking for. Rafael isn't on Wellspent yet, so we'll let them know you're looking for help and pass your message on when they join. No cost, no obligation.
Questions about Rafael
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- Next Gen Financial Planning website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
See something wrong? Request a correction. Read our methodology.