Next Chapter planning
A well-funded retirement does not automatically answer the questions that come with a major transition. Next Chapter planning puts those questions inside the financial plan instead of leaving them for later.
From financial readiness to personal readiness
Once the finances are handled, the question that surfaces is harder: what is my purpose now? Being part of that conversation with our clients is how we take the worry that the finances will be a struggle off the table.
Who leads this work
Michelle Hayden is a Certified Next Chapter Lifestyle Planner and our Director of Client Experience. These conversations are her specialty, and they are built into the planning process rather than added at the end.
Meet the teamThe four pillars
These are the four dimensions we plan around. Money supports all of them, and it replaces none of them.
Physical
Health decides how much of your plan you get to enjoy. A future need for care can affect your independence, your income, your family, and your assets, so care costs, insurance options, and the role of family belong in the same conversation as your portfolio.
In practice
Physical
Health decides how much of your plan you get to enjoy. A future need for care can affect your independence, your income, your family, and your assets, so care costs, insurance options, and the role of family belong in the same conversation as your portfolio.
Intellectual
Leaving a career means leaving the daily problem to solve. We plan for that on purpose. What will give your days meaning and structure is one of the first questions we ask, and it gets the same attention as the income plan.
Social and emotional
When work ends, so do many of the routines and relationships that came with it. How you stay connected, engaged, and fulfilled is part of the plan, and so is what your family knows about it. Naming it early is far easier than repairing it later.
Spiritual
Faith shapes how this firm works, and it shapes the questions we ask. Gifting, family communication, and the legacy you want to leave are planning decisions, not afterthoughts. If that is not your language, the plan still works. If it is, you will not have to translate.
A coordinated approach
Define your goals, priorities, values, and vision for the years ahead. This is the part that decides what every other number is for.
Coordinate your income sources, account withdrawals, required minimum distributions, and spending needs into one plan you can actually follow.
Identify the opportunities and the risks before they turn into urgent decisions you have to make under pressure.
Coordinate estate documents, beneficiary designations, insurance, and long-term care planning so nothing important is left to chance.
Think intentionally about purpose, relationships, activities, work, family, and how you want to use your time.
Let us create a personal plan that helps you move forward financially prepared, personally ready, and clear about what comes next.
