Welcome to Next Chapter Finances
When life changes, so does your money. We help you take charge of both — with clarity and confidence
Next Chapter Finances helps women rebuild financial confidence after divorce, the loss of a spouse, or any major life transition — with financial coaches who have been on this journey themselves.
Certified Financial Counselors · Based in Columbus, Ohio · Women-owned
Behind the Scenes
Our Mission
We started Next Chapter Finances because we have lived what it feels like to face a major life change without a clear picture of your finances. As certified financial counselors and former math and financial literacy teachers, we bring patience, plain language, and zero judgment to every conversation. Our mission is simple: help women walk into their next chapter with a plan they understand and the confidence to run it.
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Let us be your guide in taking control of your financial future. Together, we’ll turn the page to a new chapter of financial empowerment.
We look forward to exceeding your expectations…
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Our Expertise
Divorce: Financial Guidance for Women
Divorce changes every financial decision in your life, often overnight. Whether you're still negotiating your settlement or already through it, we help you understand exactly what you have, what you need, and what to ask for — so you walk into every conversation with real numbers, not guesses. Once things are settled, we help you build a plan for the life you're starting next — without judgment, and without the jargon.
Loss of a Partner: Financial Guidance
Losing a spouse is one of the hardest things you'll navigate, and the financial side shouldn't add to the weight of it. We help you understand your accounts, your options, and your next steps, at a pace that respects what you're going through.
Financial Coaching for Life's Other Turning Points
New job, new home, retirement, or any new chapter — we also work with women who want a clear-eyed plan for budgeting, debt, and the future, no crisis required
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Our Team
Cindy Locker
Co-Founder
Carol Van Fossen
Co-Founder
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Planning. Budgeting. Realization
Transform your finances: Plan, budget, and achieve your dreams!
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From The Blog
What Is a Financial Coach? How Next Chapter Finances Helps You Build a Better Relationship with Money
We are financial coaches, and what that means is that we help you improve your...
Taking Charge of Your Personal Finances in the New Year
A new year often arrives with a lot of noise around money: resolutions, strict...
A Spooktacular Guide to Holiday Spending with Next Chapter Finances
Hello, haunted budget-heroes and financial fright-fighters! As we creep closer...