For those 3–5 years out
The blind spots are easiest to fix while you’re still working.
Your financial plan is locked in. Your plan for the first empty Monday morning? That part is usually still blank. And right now you have something you won’t have later — time, a paycheck, and a full calendar to experiment against — which makes these the best years to find the gaps in your plan for the life, not just the money.
$79.99 · one time · 12 months of access
The gaps you can’t see from inside the job
Four blind spots the paycheck hides
While you’re still working, these stay invisible. Then retirement clears the calendar overnight — identity, structure, and your daily circle can all go quiet the same week. The PHASE™ assessment surfaces them now, while you still have time to act.
Your identity is still wearing a badge
Right now, what you do answers the question of who you are. The title, the team, the reason people call you. When the badge comes off, that answer goes quiet — and most people don’t notice how much they leaned on it until it’s gone.
Your calendar fills itself
For 40 years, work decided when your day started, who you saw, and what came next. Retirement hands all of that back to you at once. Freedom feels great for about three weeks — then the empty Monday shows up.
Your social life runs through the office
Most of your daily human contact is built into the job. Take away the hallway, the meetings, the lunches — and the calls you assumed would keep happening quietly stop. Connection has to be rebuilt on purpose.
You know what you’re retiring from — not to
You can describe the last day at work in detail. But the first morning after? That picture is usually blank. Naming what you’re moving toward is the work that’s easiest to do now, while you still have room to try things.
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
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.