Built on Personal Service and Long-Term Relationships
Built on personal service and long-term relationships, our mission is to help clients pursue financial stability, security, and true independence—through planning that matches your goals and your life.
CDM Financial Services
Meet Our Team
Get to know the experienced professionals dedicated to providing knowledgeable guidance, dependable administrative support, and the attentive client service that defines CDM Financial Services.
Charles Melita
Financial Services Professional
Certified IRMAA Specialist
Charles Melita has worked in the financial services industry since 1997, serving business owners, entrepreneurs, corporate executives, individuals, and families as they prepare for retirement and make important financial decisions.
His work focuses on helping clients address three of the most significant risks associated with retirement: taxes, market risk, and insufficient capital. Charles takes a comprehensive approach, helping clients understand how retirement income, asset protection, insurance, long-term care, risk management, and legacy planning can work together as part of a coordinated financial strategy.
Before beginning his career in financial services, Charles spent 20 years in the travel industry. During the final 15 years of that career, he served as a National Account Manager with American Express, where he managed relationships with several Fortune 100 banking and Wall Street firms. This experience gave him a strong understanding of the complex needs faced by executives, business owners, and professionals.
Charles’ professional achievements include membership in the Million Dollar Round Table, an industry benchmark recognizing excellence among insurance professionals. He has also completed The Strategic Coach and Entrepreneurs’ Growth Course.
Education is central to Charles’ practice. He believes clients should clearly understand the strategies being considered and feel confident in the decisions they make for themselves, their families, and their futures.
Community Leadership
Charles has maintained a longstanding commitment to professional organizations, healthcare initiatives, education, charitable giving, and community service. His affiliations and leadership roles have included:
- Exit Planning Exchange, Tri-State Member and New Jersey Chapter Board of Directors
- Monmouth Ocean Development Council, Member and Chairman of the Educational Foundation Board
- Preferred Behavioral Health Organization, Board of Directors
- Eastern Monmouth Chamber of Commerce, former Board of Directors
- Hackensack Meridian Health Community Advisory Committee, member since 2000
- Church of the Nativity in Fair Haven, New Jersey, former Pastoral Council member
Charles’ passion for lifesaving education began following the tragic loss of his 21-year-old son, Robert, to sudden cardiac arrest on December 27, 2012. In response, Charles became deeply involved in expanding CPR and AED training and awareness throughout the community.
He went on to serve as co-chair of Hackensack Meridian Health’s CPR and AED training initiative, A Community of Life Savers. His leadership and advocacy have been recognized through several honors, including:
- American Heart Association Humanitarian Award for leadership in CPR and AED training and awareness
- Life Force USA Chain of Survival Award for CPR training
- 2015 American Heart Association New Jersey American Heart Saver Award
- 2015 NJBIZ Healthcare Hero finalist for CPR education
Since 2014, Charles has also conducted an annual charity golf tournament that has provided over $60,000 in college scholarships to graduating high school seniors.
For Charles, financial services are about more than financial products or numbers. His work is centered on education, preparation, family, community, and helping people build a stronger foundation for their financial future.
Francel Adriene Mendoza
Business Administrator
Francel Adriene Mendoza provides professional virtual assistance and administrative support that helps businesses stay organized, responsive, and focused on their clients.
With a Bachelor of Science in Psychology and more than two years of experience in recruitment, human resources support, client coordination, and business operations, Francel brings a dependable and detail-oriented approach to every responsibility. She is skilled at managing day-to-day administrative needs while maintaining clear communication and a high level of professionalism.
At CDM Financial Services, Francel supports client relationship management, scheduling, client follow-ups, and administrative coordination. She also assists with communication and marketing initiatives designed to strengthen client engagement and support long-term relationships.
Francel’s combination of organizational ability, technology expertise, and client-focused communication enables her to provide accurate, efficient, and reliable support. Her work helps CDM Financial Services operate smoothly while continuing to deliver an attentive and exceptional client experience.
Guidance built on education, discipline, and a hands-on approach.
CDM Financial Services was founded with the goal of assisting our clients in every aspect of their financial lives. We provide personalized service and thoughtful guidance designed around each client’s individual needs, priorities, and long-term objectives.
Helping you build stability, security, and lasting confidence.
For each of our clients, we strive to help create greater financial stability and security while supporting their pursuit of financial independence. We believe your strategy should be clear, practical, and designed around what matters most to you.
We work to simplify complex financial decisions so you can move forward with greater clarity and confidence while remaining focused on the long-term outcomes you want to achieve.
Our Commitment
Our staff consists of experienced professionals who take a hands-on approach to financial guidance. Clients find our team knowledgeable, responsive, and genuinely committed to helping them pursue their goals.
Our Principle
Education and a clear understanding of your current financial situation are essential when making prudent decisions about your future. We believe clarity should always come before strategy.
Our Philosophy & Our Mission
Our approach is rooted in values, trust, and real-world planning— designed to support a comfortable retirement and a meaningful legacy.
Our Philosophy
At CDM Financial Services, we believe the mark of a life well spent is one where you remain true to your values—honesty, hard work, and respect for others. We understand that relationships matter and that earning someone’s trust is a responsibility we take seriously.
Plan a Comfortable and Secure Retirement
Peace of mind cannot simply be purchased, but it can be pursued through thoughtful planning, education, and consistent effort. The key is developing trustworthy relationships with professionals who help you understand your retirement options while offering practical, real-world strategies designed around your needs and concerns.
Our Mission
When we consider the ways wealth and financial stability may define an individual, it has less to do with a balance sheet and more to do with creating a balanced life. True wealth includes many of the things money cannot buy and that time cannot take away.
Reaching that goal takes more than Financial Strategies alone. It requires a comprehensive approach that combines imagination, innovation, creativity, careful analysis, and disciplined decision-making.
As your financial professional, we are dedicated to helping you pursue a higher purpose for your wealth and create a meaningful legacy for your family. We bring industry knowledge, access to a broad network of specialized services, and a genuine commitment to serving you.