For couples planning together
You’re planning one retirement. You may be imagining two.
One of you pictures travel; the other pictures home. One wants an open calendar; the other wants a rhythm. None of that is a problem — until it surfaces as friction six months in. See where you already align, and where a conversation is worth having now.
Each of you takes the 15-minute assessment. Then you compare.
$79.99 · one time · 12 months of access
Two people, two retirements
Where do you two actually differ?
Neither answer is wrong. The friction comes from assuming you both want the same thing. PHASE™ puts your expectations side by side — so you can align on purpose, not by accident.
Freedom vs. rhythm
One of you
Pictures an open calendar — no plans, no obligations, room to breathe.
The other
Craves a rhythm — regular anchors that give the week a shape.
Go vs. stay
One of you
Wants to travel — new places, long trips, always something booked.
The other
Wants to nest — the house, the garden, the familiar and close to home.
Together vs. apart
One of you
Imagines more time together — the whole point of retiring.
The other
Needs independent space — projects and friendships that are their own.
Full vs. quiet
One of you
Recharges on a full social calendar — people, events, hosting.
The other
Recharges on quiet — a few close friends and unhurried days.
Now is the time for these conversations — while they’re still easy to have, not after the friction has hardened. PHASE™ brings each of your retirement preferences to the surface and sets them side by side, so you can plan the next chapter together, on purpose — before the first empty morning arrives.
The Science
Backed by Decades of Research
The PHASE™ framework is grounded in decades of research 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. Below is one representative finding from each — a sample of the broader work behind PHASE, not the full extent of it. This isn’t self-help. It’s applied research.
Harvard Study of Adult Development↗
One finding among many
Good relationships keep people healthier and happier. The quality of people’s relationships at age 50 are better indicators of their happiness at age 80 than many commonly-used health measures such as cholesterol levels.
Waldinger & Schulz, The Good Life (2023) | 85+ year longitudinal study, Harvard Medical School
Canadian Longitudinal Study of Aging↗
One finding among many
Social participation directly correlates with happiness and well-being in retirement.
Canadian Institutes of Health Research
Boston College Center for Retirement Research↗
One finding among many
Surveys show that, with the exception of non-mortgage debt, and once basic financial needs are met, there is little connection between the financial circumstances of older Americans and their perceived life satisfaction.
Issue Brief IB 25-6, 2025 | Boston College
US National Health Interview Survey↗
One finding among many
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.