Next Gen Financial Planning is a fee-only registered investment advisor located in San Diego, California. The firm offers both ongoing financial planning paired with investment management and standalone project-based or hourly financial planning. Next Gen Financial Planning builds globally diversified, passive portfolios using index mutual funds and exchange-traded funds based on Modern Portfolio Theory. The firm emphasizes evidence-based strategies, risk management, and periodic rebalancing. In addition to core investment and retirement guidance, the team provides advice on cash flow, debt management, college savings, employee benefits, tax planning strategies, and estate planning coordination. Clients can also access optional tax preparation services through a related entity. Next Gen Financial Planning works primarily with individuals and high net-worth individuals, maintaining a fiduciary commitment to act solely in the best interest of its clients.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $2.0M | 0.50% |
| $2.0M - $4.0M | 0.40% |
| $4M+ | 0.30% |
Fees are calculated on a blended basis using average daily balances paid monthly in arrears. Firm also offers a bundled ongoing planning and investment management flat fee ranging from $1,500 to $15,000 annually.
