Financial coaching and education
Your money, in plain numbers.
I help you understand and organize your finances so you can make decisions calmly. Over 20 years in banking, explained without jargon, in English or Spanish.
Online sessions across the United States, Latin America and Spain.
- 20+ yearsof experience in banking
- MBAIE Business School
- CISI Level 3 CertificateWealth & Investment Management, 2024
- English and SpanishOnline sessions, wherever you are
What I help with
The things that keep you up at night, put in order.
Everyone arrives with a different situation. These are some of the topics I can help you with.
You work all day and never see the money
We find out where it goes and build a budget you can actually keep, without impossible spreadsheets.
Getting out of debt
A clear order for paying off cards and loans, starting with what costs you the most.
Credit and loans
How they really work and, if you live in the US, how to build and protect your credit history.
Savings and an emergency fund
How much to set aside, where to keep it and how not to touch it at the first temptation.
Understanding investing
What a fund, a stock or a retirement plan is, so you never sign something you don't understand.
Goals with a date
A home, education, retirement or supporting your family: put numbers and deadlines on what you want.
How we work
Three steps, no fine print.
We talk
You tell me about your situation and what worries you. No commitment, fully confidential.
We make a plan
We organize income, expenses and debt, and set priorities with real numbers.
I stay with you
We review progress, adjust when needed and answer questions along the way.
Transparency
My job is to help you understand your money, not to sell you anything.
- I don't manage your money. You will never transfer funds to me to invest.
- I don't sell financial products. No insurance, no funds, no credit cards.
- I don't tell you which stock to buy. I teach you to understand your options so you can decide.
I am not a registered investment adviser in the United States or in Spain. What I offer is financial coaching and education.
Free tools
Run your numbers for free, anytime.
No sign-up and anonymous: we never ask for your name, email or phone.
About me
Hi, I'm Melvin.
I've spent more than 20 years inside banking, seeing how mortgages, loans and cards are designed and priced. Now I use that to help you from your side of the table.
The financial system can be confusing, even more so in another country and another language. That's why I explain everything calmly, with examples from your real life.
Reviews
What people who have worked with me say.
Reviews from clients who have worked with Melvin Finex, sent through a link only they receive. Every review clients allow to be published is shown, positive or negative; only spam and insults are removed.
Questions
Before you write
Are you an investment adviser?
No. I am not registered as an investment adviser in the United States (SEC) or in Spain (CNMV), and I don't recommend specific products. I hold an MBA from IE Business School and the CISI Level 3 Certificate in Wealth & Investment Management (UK), and have 20+ years in banking. I use them to teach and guide you, not to manage your money.
Are sessions online?
Yes, by video call. You can be anywhere in the United States, Latin America or Spain.
What language do you work in?
Spanish or English, whichever you prefer.
How much does it cost?
It depends on what you need. In our first conversation we look at your case and I explain the options and the price before we start.
Do I need a lot of money to start?
No. Getting your finances in order helps whether you're just starting, dealing with debt, or already saving and ready for the next step.
Is what I share confidential?
Yes. What you tell me stays between us and I only use it to help you. Details are in the privacy policy.
Shall we talk about your numbers?
Message me on WhatsApp or through the form with a short note about your situation. I'll reply personally.