Comprehensive Financial Solutions for Your Next Phase
We help you navigate retirement, Social Security, and estate planning with confidence.
Social Security
Understanding when and how to claim Social Security can significantly impact your retirement income. We analyze your situation to help you make the optimal decision for your circumstances.
Benefit calculation and analysis
Optimal claiming strategy
Spousal benefit coordination
Survivor benefit planning
Working while collecting benefits
Medicare
Medicare can be confusing with its many parts and options. We help you understand your choices and find coverage that fits your healthcare needs and budget.
Medicare Parts A, B, C, and D explanation
Medigap policy comparison
Medicare Advantage plan analysis
Prescription drug coverage review
Enrollment timing guidance
If you’re Medicare-eligible but still working or covered under another plan, book a consultation with us. We’ll run a cost and coverage comparison between Medicare and your current plan so you know exactly which option works best for you.
Long Term Care/ Insurance
Long-term care is vital for retirement. We help you navigate coverage options to protect your assets and ensure financial security during unexpected health events.
Long-Term Care Insurance
Medicare & Medicaid Integration
Asset Protection
Tax Benefits
Estate Planning
Our comprehensive estate planning services help you create a roadmap for your assets and ensure your loved ones are taken care of. We work with you to develop wills, trusts, power of attorney documents, and more.
Will and trust preparation
Beneficiary designation review
Power of attorney documentation
Healthcare directive planning
Legacy and succession planning
Financial Planing
We create personalized financial strategies to help you achieve your goals, including:
Budgeting & Cash Flow
Investment Planning
Retirement & Tax Optimization
Estate Planning
Our goal is to provide you with a clear, actionable plan for long-term financial success.
Retirement Planning
No matter how close retirement is, we help you focus on what matters most—the distribution phase. Our approach aligns income, taxes, healthcare, and lifestyle planning to help you avoid costly retirement pitfalls.
Retirement income projections designed to last through every stage of retirement
Required Minimum Distribution (RMD) strategies to manage withdrawals efficiently
We also provide expense, budget, and cash-flow planning, along with risk assessment and asset protection strategies.
Tax strategies & Roth conversion planning Many people assume taxes drop in retirement—but that’s often not the case. Retirement accounts mean you’re still in business with Uncle Sam. A proactive Roth conversion strategy can help reduce long-term tax exposure and increase flexibility. This includes planning for major medical events so that one spouse’s care does not financially devastate the surviving spouse. We guide clients through Medicare and Medicaid, helping them understand their rights, options, and available benefits. In addition, we review Social Security and Medicare premiums by checking eligibility for Medicare Part B premium refunds through Social Security and identifying potential IRMAA surcharges that may impact Part B costs. Throughout the process, we ensure lifestyle and goal alignment so your financial plan supports the life you want to live—not just the numbers.
At our firm, retirement planning isn’t about guessing—it’s about protection, and confidence during the years that matter most.
Meet the Experts Behind Next Phase Consulting
Get to know our trusted team of professionals who are here to guide, support, and empower you in your financial journey.
Experienced professionals
Passionate about financial empowerment
Committed to your financial success
Shantel Haines
Financial Professional & Owner
Michelle Albea
Client Relations
Contact us today to get a free consultation!
Send us a message to get answers to any of your questions & we’ll get back to you within 24-48 hours or as soon as possible.