Next Gen Financial Planning

Next Gen Financial Planning is a financial planner in San Diego, CA, located at 1455 Frazee Rd Suite 543. The firm provides fee-only financial planning and investing services for individuals and businesses, with a specific focus on helping high-earning professionals in their 20s through 40s make better financial decisions. As fiduciaries, the team is paid directly by clients and receives no commissions, kickbacks, or referral fees. Every financial planner on the team is a CFP® professional or actively working towards fulfilling the requirements to become one. The firm serves clients nationwide through virtual meetings, though its local office is in San Diego.

The practice is led by Founder Steven Fox, CFP®, EA, Managing Partners Rafael Melendez, CFP®, CSLP, and Josue Luque, CFP®, alongside Tax Manager Ray Pryor, EA. The team specializes in guiding clients through complex life stages, including student loan management with programs like SAVE, PSLF, PAYE, and ICR, equity compensation strategies involving incentive stock options, ESPP shares, and RSUs, and navigating major life changes such as marriage or starting a business. Their approach is broadly diversified, low-cost, tax-smart, and research-backed, with no account minimums or hidden costs. They utilize a shared client portal and an annual service calendar to ensure all aspects of a financial plan, from cash flow to estate planning, are reviewed and aligned with the client’s values.

Services include comprehensive tax planning, such as IRA conversions and strategic deduction management, as well as insurance review for life, disability, health, long-term care, homeowners, and auto policies. The firm does not sell insurance directly, ensuring objective recommendations. They also provide estate planning guidance, including wills, trusts, powers of attorney, and asset titling, as well as investment management covering bonds, ETFs, mutual funds, and direct indexing. The firm emphasizes behavioral finance, helping clients overcome emotional decision-making to build confidence in their financial future.

Next Gen Financial Planning brings a modern, transparent, and fee-only fiduciary approach to financial planning in San Diego, offering personalized guidance that aligns financial decisions with the real-life goals of working professionals across the country.

The firm is situated on Frazee Road, just a short distance from the Cabrillo Freeway and Hazard Center.

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Services:

• Estate Planning
• Financial Planning
• Insurance
• Investing
• Tax Planning