Helping women make thoughtful financial decisions - one phase at a time.
Next Phase Financial was created to support women through life’s financial decisions - especially during times of change. We believe financial guidance should feel personal, clear, and supportive, not confusing or transactional.
Founded by Carmen Jennett, the firm is built around education, empathy, and real-life conversations. Carmen understands that many women face unique financial pressures - from career interruptions to wage gaps to unexpected life transitions - and she works alongside clients to help them understand their options and make thoughtful decisions.
Our approach is collaborative and grounded in behavioral insight. We take the time to explain the “why” behind recommendations, helping clients feel confident, informed, and supported - every step of the way.
Explained in a Way That Finally Makes Sense.
Clients often tell us that no one has ever explained their financial life to them in a way it can be clearly understood - until now. Education isn’t an add-on here; it’s the foundation of everything we do.
A Different Experience for Women.
Many women come to us after working with advisors who didn’t fully understand their priorities or communication style. Our approach is empathetic, collaborative, and built around how women actually experience money and life.
Behavior-First Guidance.
Money decisions are emotional. We help clients slow down, think clearly, and avoid costly impulsive choices by blending financial guidance with behavioral insight.
A Partner-Not a Transaction.
We don’t believe in one-time advice or transactional relationships. We build long-term connections that evolve as your life evolves, offering guidance when questions arise - big or small.
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What if there were a place to pause, ask questions, and make thoughtful money decisions - at your pace?
Welcome to Your Financial Oasis.
Our Services
Financial Education & Planning
Clear explanations, realistic planning, and guidance designed to help you understand how today’s decisions impact tomorrow - without jargon or pressure.
Investment Advice, Guidance & Education
Support in understanding investment options and how they fit into your overall financial picture - helping you think through decisions with clarity, context, and confidence, rather than reacting to market noise or trends.
Budgeting & Cash Flow Guidance
Support in aligning spending with priorities, preparing for future needs, and avoiding surprises - both while building wealth and drawing from it.
Life Transitions Support
Guidance through moments that change everything - divorce, loss of a spouse, career shifts, or retirement - helping you move from one phase to the next with intention.
Business & Succession Planning
Support for business owners preparing for transition, continuity, or exit - especially when plans aren’t yet documented or fully funded.
Tax Minimization Strategies
Guidance on understanding how taxes affect your financial decisions today and over time. We help you consider tax-aware strategies, timing decisions thoughtfully, and coordinating with your tax professional - so choices around income, savings, and investments are made with greater awareness and fewer surprises.
Ongoing Decision Support
From everyday financial choices to long-term planning, we’re here to help you think through decisions before acting - reducing emotional stress and impulsive mistakes.
A few questions we often hear.
This is a helpful starting point for understanding our approach and what to expect.
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Who do you typically work with?
We primarily work with women at all stages of life - especially those navigating financial changes or transitions. This includes single women, married women, single mothers, medical professionals, business owners, and women experiencing events such as divorce, loss of a spouse, career changes, or retirement planning. Our clients value clear explanations, thoughtful guidance, and a supportive relationship.
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What makes Next Phase Financial different from other financial advisors?
Our approach is centered on education, empathy, and collaboration. We take time to explain financial concepts in simple, relatable language and help clients think through decisions rather than rushing them. Many women come to us after feeling talked past or overwhelmed elsewhere and are looking for guidance that feels personal and respectful.
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Do I need to have a certain income or level of assets to work with you?
No. We work with all women who want help making thoughtful financial decisions - regardless of where they are starting. What matters most is a willingness to engage, ask questions, and plan intentionally.
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I’m going through a major life change. Can you help with that?
Yes. Life transitions such as divorce, widowhood, job changes, or preparing for retirement are a core focus of our work. We help clients move from one phase to the next with clarity, structure, and support - so decisions feel manageable, not overwhelming.
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What if I don’t understand much about finances?
You are not alone - and that’s exactly why Next Phase Financial exists. Our role is to help you understand your options and the implications of decisions in a way that makes sense. There’s no expectation that you come in knowing the “right” questions to ask - we’ll walk through it together.
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Is this just about investing?
No. While investments may be part of the conversation, our work is much broader. We look at your full financial life - budgeting, cash flow, planning for future needs, business or career transitions, and everyday financial decisions - so everything works together.
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How involved will I be in the decision-making process?
Very involved. We believe the best decisions are made together. Our approach emphasizes shared understanding and thoughtful discussion, helping you feel confident and comfortable with the choices you make.
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What does the first conversation look like?
This conversation is really more for us to find out about what you are using now, what results you are getting compared to what you might be wanting to see, and what the gap looks like. Towards the end of the conversation if you feel like it might be what you are looking for we can talk about possible next steps to bridge the gap and decide if you’d like clarity on what it takes to move you through the next phase to accomplish your ideal financial vision.
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Do you work with clients long-term or just for one-time planning?
Many of our client relationships are ongoing, evolving as life changes. That said, we focus on meeting clients where they are and discussing what level of guidance makes the most sense for their needs.
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How do I get started?
You can begin by scheduling a conversation or by taking our Clarity Check-In Quiz, a short, thoughtful way to reflect on where you are and what you may want next.
