You planned the money. Now plan the life.
Most people retiring in the next few years have done the financial work. The part no one asks about — what fills your days, who you’ll see, what gives you a reason to get up — that’s what PHASE Into Retirement™ is built for.
$79.99 · one time · 12 months of access
10,000 Americans turn 65 every day. Most plan financially. Few plan for everything else — and many only realize it after they’ve stopped working.
Start where you are
Which of these sounds like you?
Pick a path and we’ll show you what to look at first.
Path A
“I’m 3–5 years from retirement”
Spot the lifestyle blind spots while you still have time to fix them — before you walk out the door.
Find my blind spotsPath B
“I’m newly retired”
Understand exactly why the transition feels harder than expected — and the structural fixes that help.
Understand the shiftPath C
“We’re planning as a couple”
Compare each other’s expectations and align daily routines — before friction quietly sets in.
Compare togetherPath D
“I’m a good ways from retirement”
Retirement can last 20+ years — and the identity, relationships, and interests that fill it are far easier to build now than to manufacture later.
Start earlyNot sure? Take the full PHASE™ assessment →
The Gap in Retirement Planning
The Retirement Question Nobody Is Asking
The first Monday morning can catch people off guard. No meeting on the calendar. No inbox to clear. No professional title attached to your name. For 40 years, work gave shape to the day. PHASE helps you build that shape before the day arrives empty.
It takes less than 15 minutes of honest reflection. You’ll get a personalized report on where you stand— and where to focus first.
“Everyone talks about the money. Nobody talks about Monday morning.”
The PHASE™ Framework
Five Dimensions of a Fulfilling Retirement
Decades of research point to the same conclusion: money alone doesn’t predict happiness in retirement.These five dimensions do — and they matter just as much on day one as on day one thousand.
Purpose
What gives your life meaning beyond your job title? Purpose is the compass that guides your days when work no longer sets the direction. It’s never too late to find — or rediscover — what drives you.
Health
Are your physical, mental, and emotional health habits strong enough to support the active life you’re building? Health is the engine that powers everything else.
Activities
Do you have enough interests, hobbies, and pursuits to fill your days with intention — not just time? Activities bring texture and joy to the years ahead.
Social Life
How strong are your friendships and community connections? Of the five dimensions, this is the one most people underestimate — and the one that most shapes how retirement actually feels. It deserves your attention.
Everyday Life
Do your days have a rhythm that keeps you grounded and energized? Everyday routines are the quiet foundation of a purposeful retirement — and they’re worth designing with intention.
These five dimensions aren’t separate silos. They form an ecosystem. Strengthening one lifts the others. The PHASE assessment helps you see the full picture.
How It Works
Three Steps to Clarity
Answer at your own pace. Less than 15 minutes of honest reflection.
Start Your Assessment
Share your email and a few optional details, then check out securely. You’ll go straight into the assessment.
Take the Full Assessment
Answer 50 research-backed questions across all five dimensions — Purpose, Health, Activities, Social, and Everyday. Less than 15 minutes, and your progress saves as you go.
Get Your Report
Receive a personalized PHASE Into Retirement™ Report by email, plus the 88-page Field Guide included with your assessment. Use them to strengthen the areas that matter most to you.
See It Before You Buy It
Not sure what a PHASE™ report actually looks like? View a complete real sample — free, no signup required.
View Sample Report →The Science
Backed by Decades of Research
Built on findings from the Harvard Study of Adult Development, the Center for Retirement Research at Boston College, the Canadian Longitudinal Study of Aging, and the US National Health Interview Survey. This isn’t self-help. It’s applied research.
Harvard Study of Adult Development↗
Strong relationships are the single greatest predictor of life satisfaction — more than wealth, fame, or career success.
85+ year longitudinal study | Harvard Medical School
Canadian Longitudinal Study of Aging↗
Social participation directly correlates with happiness and well-being in retirement.
Canadian Institutes of Health Research
Boston College Center for Retirement Research↗
Non-financial factors predict retirement satisfaction better than portfolio size or income level.
Boston College
US National Health Interview Survey↗
Retirees who volunteer regularly report significantly greater life satisfaction and live longer.
National Center for Health Statistics
The PHASE™ framework translates these findings into a practical assessment you can take in minutes.
What People Are Saying
Real Insights From Real People
I have been very excited by the multi-dimensional aspects of the PHASE program, and it provided me with real insights especially about their interactions. I’ve shared it with my financial advisor and would recommend it to anyone approaching retirement.
Craig Philip
Professor, Vanderbilt University | Former CEO
I appreciated this straightforward exploration of non-financial factors I’m considering for retirement. The direct, easy-to-use tools helped me set parameters and priorities for my pre-retirement journey.
T. Reese
Pre-Retiree, New Orleans, LA
My financial advisors help me define the actions needed to prepare financially for retirement. PHASE helps me define the actions needed to prepare for my life in retirement.
Micah Wheeler
CPA | Partner
Go Deeper
Phase Into Retirement™: Your Field Guide
The companion guide to the PHASE™ assessment. Eighty-eight pages of practical guidance, real-world examples, and reflection exercises across all five dimensions — designed to help you turn insights into meaningful action.
Written by the creators of the PHASE framework, this guide meets you where you are — whether you’re three years from retirement or three years into it.
- ✓Written by the creators of the PHASE framework
- ✓Actionable strategies for each of the five dimensions
- ✓Reflection exercises to deepen your self-awareness
- ✓Included with your PHASE™ assessment
Your assessment includes the full 88-page Field Guide as a digital download.
The same guide as a keepsake you can hold, mark up, and gift. Print only.
A Fulfilling Retirement Takes More Than a Financial Plan
Planning ahead or already retired? Either way, start here. Fifty questions, about fifteen minutes, all five dimensions — and a personalized report showing exactly where you stand.